Company & Ownership
Incorporation documents, organizational structure, beneficial ownership and authorized representatives.
Documents Required
Prepare the Financing File Before Underwriting Begins
Financing documentation should allow an advisor or capital provider to understand the borrower, transaction, use of proceeds, repayment source and supporting commercial evidence without reconstructing the case from fragmented information.
Core File
Documents Most Mandates Require
Exact requirements depend on the transaction, jurisdiction and capital provider. Most commercial mandates begin with four categories of information.
Financial Information
Historical financial statements, management accounts, debt schedules, forecasts and bank information where relevant.
Use of Proceeds
Financing amount, purpose, transaction structure, sources and uses, requested tenor and proposed repayment mechanics.
Commercial Support
Contracts, purchase agreements, invoices, asset evidence, valuations, permits or other documents supporting the financing case.
Transaction-Specific Requirements
Documentation Changes With the Financing Structure
Select the relevant transaction type to see the documents commonly required during initial review and underwriting preparation.
Corporate Credit
Corporate Debt & Private Credit
Lenders focus on historical performance, debt capacity, liquidity and the business's ability to service the proposed facility.
- Three years of financial statements where available
- Current management accounts
- 13-week or monthly cash-flow forecast
- Existing debt schedule
- Business overview and ownership structure
- Use of proceeds schedule
- Accounts receivable and payable aging
- Material customer or supplier contracts
Physical Trade
Trade & Commodity Finance
Trade finance documentation should establish the commercial chain from purchase through delivery and repayment.
- Purchase contract or purchase order
- Sales or offtake agreement
- Supplier and buyer details
- Product specifications
- Trade cycle and payment terms
- Inventory or storage information
- Historical transaction evidence
- Requested LC or financing structure
Development Capital
Project & Infrastructure Finance
Project lenders need to understand development status, construction cost, operating assumptions and the contractual basis for future cash flow.
- Financial model
- Development budget and sources and uses
- Feasibility or technical studies
- Permits and licenses
- EPC or construction arrangements
- Offtake or revenue contracts
- Land or site rights
- Sponsor equity evidence
Real Assets
Commercial Real Estate
Property underwriting centers on the asset, ownership structure, income profile, capitalization and repayment or exit strategy.
- Property summary
- Purchase agreement where applicable
- Current valuation or appraisal
- Rent roll
- Historical property operating statements
- Development or renovation budget
- Existing debt information
- Exit or refinancing strategy
M&A
Business Acquisition Finance
Acquisition lenders evaluate both transaction economics and the target company's ability to support post-closing leverage.
- LOI or purchase agreement
- Target company financial statements
- Quality of earnings where available
- Sources and uses schedule
- Sponsor equity contribution
- Post-closing capital structure
- Management and ownership information
- Operating projections
Documentary Credits
LC, SBLC & Bank Guarantee Requirements
Instrument requests require a clear commercial purpose, identifiable counterparties and sufficient information for the issuing institution to assess the underlying obligation.
- Instrument amount and currency
- Applicant and beneficiary details
- Underlying commercial contract
- Requested instrument wording
- Issuing and receiving bank preferences
- Tenor and expiry requirements
- Collateral or credit support information
- Corporate and KYC documents
Data Room Standard
Organize Documents Before Market Outreach
A clean data room helps advisors and capital providers identify what is available, what remains outstanding and which questions require management attention.
File names should be descriptive and current versions should be clearly identified. Financial statements, contracts, models and legal documents should be separated into logical folders. Financely may request additional information after reviewing the transaction because lender requirements vary by structure, jurisdiction and credit profile.
Have Your Financing File Ready?
Submit the financing amount, use of proceeds and available supporting documents so our team can assess the transaction and identify any material information gaps.
Document requirements vary by transaction and capital provider. Providing the documents listed above does not constitute financing approval or a commitment to lend.