Required Documents

After submitting our Loan Inquiry Form and completing a full application, you will be asked to upload required documents to support your loan request. Required documents vary by requested loan amount.

  • Personal Documents:

    • ID or Driver's License

    • 3 Months Recent Personal Bank Statements (all pages of all active accounts)

    • Most Recent Paystub

    Business Documents:

    • 3 Months Recent Business Bank Statements (all pages) for Businesses in Operation or POS Sales Records

    • Lease Agreement, if currently engaged in a commercial lease*

    • Formation Document(s)

      • Sole Proprietorship: Fictitious Business Name Statement

      • Partnership: Partnership Agreement & Fictitious Business Name Statement

      • LLC: Articles of Organization & Operating Agreement

      • Corporation: Articles of Incorporation & Bylaws

    • Business Plan & Financial Projections (for start-ups only)

    *Working Solutions does not require a lease agreement at application. In our review, we may request a draft lease agreement or letter of intent (LOI) if you are planning to open a brick-and-mortar.

  • Personal Documents:

    • ID or Driver's License

    • 3 Months Recent Personal Bank Statement (all pages of all active accounts)

    • Most Recent Paystub

    • Most Recent Personal Tax Return (all pages)

    Business Documents:

    • 3 Months Recent Business Bank Statements (all pages)

    • Most Recent Business Tax Return (signed)

    • Year to Date Profit & Loss Statement (from January through the end of last month) OR equivalent months of Business Bank Statements

    • Lease Agreement, if currently engaged in a commercial lease*

    • Formation Document(s)

      • Sole Proprietorship: Fictitious Business Name Statement

      • Partnership: Partnership Agreement & Fictitious Business Name Statement

      • LLC: Articles of Organization & Operating Agreement

      • Corporation: Articles of Incorporation & Bylaws

    • Business Plan & Financial Projections (for start-ups only)

    *Working Solutions does not require a lease agreement at application. In our review, we may request a draft lease agreement or letter of intent (LOI) if you are planning to open a brick-and-mortar.

  • Personal Documents:

    • ID or Driver's License

    • 3 Months Recent Personal Bank Statement (all pages of all active accounts)

    • Most Recent Paystub

    • Most Recent Personal Tax Return (all pages)

    Business Documents:

    • 3 Months Recent Business Bank Statements (all pages)

    • Most Recent Business Tax Return (signed)

    • Year to Date Profit & Loss Statement (from January through the end of last month)

    • Year to Date Balance Sheet (as of the end of last month)

    • Lease Agreement, if currently engaged in a commercial lease*

    • Formation Document(s)

      • Sole Proprietorship: Fictitious Business Name Statement

      • Partnership: Partnership Agreement & Fictitious Business Name Statement

      • LLC: Articles of Organization & Operating Agreement

      • Corporation: Articles of Incorporation & Bylaws

    • Business Plan & Financial Projections (for start-ups only)

    *Working Solutions does not require a lease agreement at application. In our review, we may request a draft lease agreement or letter of intent (LOI) if you are planning to open a brick-and-mortar.

  • Personal Documents:

    • ID or Driver's License

    • 3 Months Recent Personal Bank Statement (all pages of all active accounts)

    • Most Recent Paystub

    • 2 Most Recent Personal Tax Returns (all pages)

    • Personal Financial Statement

    Business Documents:

    • 3 Months Recent Business Bank Statements (all pages)

    • 2 Most Recent Business Tax Returns (signed)

    • Year to Date Profit & Loss Statement (from January through the end of last month)

    • Year to Date Balance Sheet (as of the end of last month)

    • Lease Agreement, if currently engaged in a commercial lease*

    • Formation Document(s)

      • Sole Proprietorship: Fictitious Business Name Statement

      • Partnership: Partnership Agreement & Fictitious Business Name Statement

      • LLC: Articles of Organization & Operating Agreement

      • Corporation: Articles of Incorporation & Bylaws

    • Business Plan & Financial Projections (for start-ups only)

    *Working Solutions does not require a lease agreement at application. In our review, we may request a draft lease agreement or letter of intent (LOI) if you are planning to open a brick-and-mortar.

    • Required Personal Documents (see list in appropriate tier above)

If you have questions about the required document submission, please reach out to us directly at info@workingsolutions.org.

For additional business support, including assistance with compiling your required documents, check out our Pre-Loan Referral Toolkit, visit our Resource Guide, or contact your local Small Business Development Center.