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Application Requirements

Certain criterias must be met to qualify for a business membership. Be prepared to give us financial statements and contracts so we can get a full picture of your financial needs. Your business service representatives will assist you in the application process.

General asset, line of credit or Business purchase

  • Last 3-years tax returns with attached schedules
  • Most current interim financial statement – balance sheet and income statement
  • Personal financial statement on owners of the business (form available)
  • Copy of depreciation schedule or fixed-asset listing
  • Accounts receivable aging/listing
  • Accounts payable aging/listing
  • 2-year projection of income and expenses (if available)
  • Copy of invoice for specific machinery/equipment financing (if applicable)
  • Copy of business evaluation or contract to purchase (if business purchase)

Commercial Real Estate Financing

  • Copy of Sales Agreement / Contract
  • Copy of signed leases currently in place. If vacant, lease terms expected.
  • Financial statements from proposed tenant (if available)
  • Personal financial statements from guarantors/owners (form available)
  • Completed EPA Questionnaire
  • Copy of any prior appraisal
  • Real estate tax and insurance figures
  • Copy of prints, specs and construction contract if new construction
  • Legal description
  • Survey (if applicable)

New Business Start-up

Business Plan including:

  • 2-years projection of income and expenses and balance sheet
  • List of sources and uses of proceeds – both loan and cash injection
  • Personal financial statement on all owners (form available)
  • Marketing plan
  • Product or service description including benefits
  • Resume’ of owners/key operators
  • Identification and description of competition
  • Copy of Franchise information (if applicable)
  • “I just wanted to drop you a quick note to let you know that I had a very good experience working with Tiffany in securing a refinance for a car loan. She always kept my wife and I informed through every step of the process, was always quick in getting back to us when we had questions, and took the time to make sure we understood everything. It was a pleasure to work with her, and thought you should know how well she represents your company.”

    -Joseph Wallingford Connecticut
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