Make it yours
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PAGE 1
Get your details together
PART 1 · Build a clear picture of your work. This is a preparation guide, not a universal document requirement or a calculation of qualifying income.
Your business snapshot
- Business name / type of work
- Ownership share / business structure
- When the business began / time in this work
- Income pattern: steady, seasonal, or changing
- Recent changes or unusual expenses
- Other income sources you want considered
Gross revenue, bank deposits and personal take-home income are different figures. The lender determines usable income after reviewing your situation and the applicable program.
PAGE 2
Plan your next step
PART 2 · Gather records you already have, then ask for the exact list and time periods. Submit financial records only through your lender’s approved secure process.
Records to discuss with your lender
- Filed personal and business tax returns, with relevant schedules.
- Applicable W-2, 1099 or K-1 forms.
- Current profit-and-loss statement and balance sheet, if requested.
- Personal and business account statements, if requested.
- Records of ownership and business activity.
- Details of business debts and funds planned for the purchase.
Questions worth asking
- Which documents and time periods apply to my scenario?
- Could using business funds affect business cash flow?
- What needs clarification with my accountant or loan team?
Sources and context
Educational content; not a loan approval or credit offer. Confirm requirements for your situation with your lender. Sources checked September 10, 2026.