What documents are needed for a working capital loan?

Lenders ask for documents that show your business's financial health and ability to repay. Requirements vary by lender, but these are common:

1. Business financial statements — profit and loss, balance sheet and cash flow statements, usually for the last two years.
2. Bank statements — typically the last six months, to check cash flow and liquidity.
3. Tax returns — business and personal, usually for two to three years.
4. Business plan — some lenders want to see how the business runs and how the loan will be used.
5. Licences and registrations — proof the business legally exists (registration or incorporation certificate, partnership deed, GST registration).
6. Existing debt details — outstanding loans and repayment history.
7. Collateral documents (for secured loans) — property papers, inventory or receivables details.

Having these ready speeds up the application and improves your chances of approval.