What happened
- Business tax returns
- Year-end financial statements
- Current interim profit and loss
- Current balance sheet
- Accounts receivable and payable aging
Business funding document checklist
Prepare the evidence for the capital path you are actually testing.
A working-capital file and a committee-led transaction should not start with the same document request. Use this checklist to assemble the smallest complete file for the current stage.
Lane 1 · Working capital
Start with the operating account.
For bank-statement-led requests, begin with the evidence needed to read revenue, liquidity and existing payment pressure. Additional items depend on the source and amount.
- Four recent business bank statementsComplete original PDFs for the primary operating account.
- Business identityLegal name, EIN, address, formation state, industry and ownership.
- Capital objectiveExact amount, use of funds, timing and expected operating result.
- Current obligationsEvery advance, loan, line, lease and recurring financing payment.
- Supporting revenue evidenceInvoices, contracts, receivables aging or processor statements when relevant.
- Owner authorization itemsOnly when requested through an approved secure process.
Lane 2 · Committee-led capital
Build a reviewable transaction file.
SBA, acquisition, real estate, construction and larger term requests generally need a deeper historical, current and forward-looking package.
What is already committed
- Business debt schedule
- Ownership schedule
- Entity and governing documents
- Personal financial statements when required
- Affiliate and contingent obligations
What the capital will do
- Purchase agreement or term sheet
- Use-of-funds budget
- Project or renovation scope
- Equipment quotes or asset schedule
- Property, lease or collateral information
How repayment is expected
- Assumption-backed projections
- Management narrative
- Customer or contract support
- Equity and liquidity evidence
- Exit or refinance strategy when relevant
Universal verification
Make every document agree on the same business.
- 01
Legal name, EIN, address and ownership match across the file.
- 02
Statement periods, financial reporting periods and tax years are labeled clearly.
- 03
Revenue, debt and cash balances reconcile or have a documented explanation.
- 04
The amount and use of funds are consistent in every summary and form.
- 05
Documents are complete, legible, current and obtained from the original source.
- 06
Sensitive items are shared only through an authorized secure intake.
Secure handling boundary
Use the public diagnosis for a local preview, not as a document vault.
The public Document Diagnosis processes supported files locally in the browser for a preliminary read. Do not add photo identification, Social Security cards or documents you do not want processed in the current browser tab.
Supported bank statements, financial summaries and customer-provided credit report files used for local extraction.
Identity documents, tax records, signed agreements and other sensitive evidence requested for formal review.
Begin with evidence
Use the files you already have to reduce the questions you need to answer.
Document Diagnosis can map supported files locally, then the private Stage 2 wizard lets you review and confirm the derived values.
The intelligence layer behind every AXIS path
The score is not the finish line. It shows what to do next.
AXIS turns business, banking, credit and document signals into one five-pillar read. A stronger, verified file can expand the structures, amounts and pricing worth testing, but every final decision and term remains with the funding source.
01AnalyzeSee the profile lenders may test.
02StrengthenWork the gap with the most leverage.
03Fund or monitorTest the path now, or keep building.
AXIS ENGINE · ILLUSTRATIVE PROFILELIVE READ
72AXIS SCORE
Current read
A fundable path, with room to strengthen.
Verify the file and improve the leading gap before comparing terms.
SCORE · PATH · GAPNO CREDIT DECISION