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Bank Loan Presentation Outline

Leslie Karnauskas's Profile

Does anyone have an outline of the content needed for a presentation to a bank to obtain lending? I have a general format in mind but would just like to insure that I don't miss something significant and that the flow is logical. Thanks!


Topic Expert
Wayne Spivak
Title: President & CFO
LinkedIn Profile
(President & CFO, |

Its your business plan.

Executive Summary
Lending Request
Market Summary
Business highlights
Business Financial Highlights
Business Budget

You need to make a compelling case.Don't go to just one bank. You may have (depending on the credit facility size) better luck with small(er) banks.

Leslie Karnauskas
Title: CFO
Company: BMGI

Thanks! That confirms what I was thinking and I appreciate the suggestion of going to smaller banks.

Gary Honig
Title: President
Company: Creative Capital Associates Factoring Co..
LinkedIn Profile
(President, Creative Capital Associates Factoring Company) |

For commercial loan application a company should have;

Current financials - Balance Sheet & Profit Loss Statement
Last year end statements
Current Aging - A/R & A/P
Last 2 years of 1020's tax returns, corporate & personal
Articles of Incorporation and proof of EIN number + any sort of DBA filings
Proof of 941 payroll tax payments
Documentation of assets to be used as collateral
Personal Financial Statement from owners
Owners W - 2 and copy of Drivers License
Usually need to have a loan application from the institution signed
Know your UCC status

This will get you started.....

Ricardo Small
Title: SVP - Middle Market
Company: Comerica Bank
(SVP - Middle Market, Comerica Bank) |

Leslie, it might actually be a little easier than that. I always suggest the path of least resistance.

Your current bank would be the natural place to start since you already have a relationship there. Your banker will need to establish an ability to repay debt (at least 3 years of financial statements or tax returns showing profitability and cash flow) and collateral positions (balance sheet, inventory and A/R schedules, financial statements of guarantors ). Every other requirement is secondary.

If your current bank won't or can't provide your loan needs, I would then suggest taking that package and showing to other banks. Don't forget to ask your banker WHY they can't do it if they can't ... that way you can address the issue. Good luck!

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