Core documents
Most working capital reviews begin with basic business details and recent bank statements.
- Business legal name and EIN
- Owner contact information
- Three to six months of business bank statements
Funding Documents
Documents Needed for Business Funding
Business funding reviews commonly require recent business bank statements, basic business information, owner contact details, and the requested amount and use of funds. Providers may ask for tax records, financial statements, equipment invoices, or other supporting documents depending on the request.
Quick answer
A complete document package helps funding providers understand the business quickly and reduces back-and-forth.
No obligation to accept an offer. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Situational documents
Larger, more complex, or specialized requests may require more support.
- Tax returns or profit-and-loss statements
- AR aging, contracts, invoices, or purchase orders
- Equipment invoices or payoff letters
Document hygiene
Small details can slow review. Make sure files are legible, complete, and consistent with the application.
- Submit all pages of statements
- Explain unusual deposits or overdrafts
- Match requested amount to use of funds
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
View requirementsRelated funding options
Common questions
Do I need sensitive documents for the initial form?
The initial intake asks for business basics and contact information, not an SSN, bank login, or sensitive documents. A provider may request additional information during its review.
Which bank statements should I prepare?
Prepare complete, legible recent business bank statements, including every page. The provider will confirm the period it needs.
What else might a provider request?
Depending on the funding type, a provider may ask for tax returns, financial statements, invoices, contracts, or existing loan payoff details.
Related resources
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Ready to explore your funding options?
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Clear document checklist
Terms vary by provider