What the Rushstead request page collects, the documents a dental office can expect a funding partner to ask for, a restaurant checklist, and the steps a landscaping company takes from a dealer quote to a signed offer.
Documents required for business loan in Zanesville, OH: what dental offices compare
None of these documents goes on the request page; it has no upload. They come into play once a funding partner takes up the request and names its own list. For a dental office, that list can include:
- Business bank statements for the months the partner names, with insurance deposits and patient payments visible
- The practice's most recent business tax return, plus each owner's personal return
- A profit and loss statement for the current year and a balance sheet, from the practice's bookkeeper or accountant
- An accounts receivable aging report that keeps insurance claims apart from patient balances
- The dealer quote for the chair, sensor or imaging unit, with the model and the installation cost
- Payments still running on earlier equipment, such as a sterilizer, compressor or CAD/CAM lease
- Proof of who owns the practice, and a photo ID for each owner
What a partner asks for shifts with the product. A chair financed against its own value can call for a shorter list than unsecured working capital, and each partner settles its own list. Dental offices comparing two partners can compare the paperwork too, since one may want two years of returns and another only the latest year with the statements.
Business loan application checklist for Zanesville, OH full-service restaurants
A full-service restaurant can tick through this list before calling or sending the page. Rough figures are fine at this stage:
- The restaurant's legal business name and its federal EIN
- How long it has been open under the current owner
- Annual revenue, taken from the last tax return or the point-of-sale year-end report
- The amount in mind and what it pays for: movable cooking equipment, a walk-in cooler, freestanding dining furniture, or food and payroll cover; fixed room work is excluded
- How many years remain on the building lease, since a partner can set a loan's term against it
- Any equipment loan, kitchen lease or card-sales advance still being paid
- Who keeps the books, so a partner's document requests go to the right person
Items on the list that the request page does not ask for still help: they make the first phone conversation shorter and a partner can ask about any of them.
What Muskingum County, OH full-service restaurants need to apply for a business loan
To send a request, a restaurant in Muskingum County, OH needs only what the page asks for: a contact name, phone number and email, the company name, and three ranges for time in business, annual revenue and the amount needed. A consent box sits at the end. Nothing else is needed at this point, not a menu, not a lease and not a bank statement.
Putting a request in does not count as applying for credit. A funding partner may run a credit check later, as part of its own review, once it has taken the request up. The page on how a request moves follows it from the first call to a partner's decision.
Rushstead looks over each request, may call the number on it to talk through what the money is for, and sends it to funding partners whose products fit the purchase.
Steps a Zanesville, OH landscaping company takes to apply for a small business loan
- Price the purchase: get the dealer quote for the zero-turn mower, skid steer or trailer, or add up the crew payroll that falls due before contract payments arrive
- Call (740) 448-3785 or fill in the request page with the company details and an amount range
- Talk the funding type through with Rushstead: equipment financing for a machine, working capital or a line of credit for a payroll gap
- Gather the records a funding partner asks for once it takes the request up, which can include the owner's own returns as well as the company's
- Read the offer line by line, compare it with any other, and decide whether to sign
A crew that runs under the owner's name with a handful of employees gives a partner fewer company records, so the owner's personal credit and returns can carry more of the review. The short answers page covers time in business, collateral and other points a landscaper can look up before calling.
By Rushstead Commercial Capital ยท Updated