The Loan Application Prep Kit.

What's in it

• The eight criteria, scoredWhat your file is judged on, what "good" looks like on each, and a column to rate yourself honestly before you read the answer.
• The document checklistQuotes, leases, licences, net worth statement, returns, statements. What each one proves, and the "available vs on request" device that makes an appendix read as organized.
• One-page loan summary templateThe page bankers wish you would include. Fill-in blocks for the ask, the repayment story, and why this is a good bet.
• Sources & uses templateBoth columns laid out line by line, with the zero-balance check that is the fastest credibility signal you can give a Canadian lender.
• DSCR & break-even worksheetsThe two numbers a lender computes with or without you, with the target range, a worked example, and the downside case to run before they run it.
• Where files actually failRemittances, personal credit, unexplained gaps, and untraceable inter-company money. The reasons files stop moving that never appear in the letter you receive, plus the seven that show up in the plan itself.
• The pre-submission checkTwelve final lines, each one something a reviewer notices in the first few minutes.