Business profile
- Legal name, DBA, address, and formation details
- Employer Identification Number and ownership structure
- Business start date and industry description
- Business bank account and contact information
What You Need to Apply
Prepare a Complete, Credible Application
Know which details and documents are commonly requested, how to check your figures, and how to evaluate the proposed payment before you apply.
Start With Accuracy
A practical preparation checklist
Requirements vary by financing product, funder, amount, and business profile. No universal credit-score, revenue, or time-in-business threshold guarantees approval. The following records are commonly requested; your checklist may differ.
Business and ownership details
Gather current information and make sure names and figures agree across the application and supporting records.
Funding request
- Amount requested and specific use of proceeds
- Date the funds are needed
- Existing business financing and payment obligations
- A straightforward explanation of the repayment plan
Owner information
- Names and ownership percentages
- Government-issued identification when requested
- Owner contact and address information
- Soft credit inquiry on apply (does not affect score); a funding partner may later run a hard inquiry
Guarantees
Performance guarantee options
Select programs use an owner performance guarantee rather than a full personal guarantee of repayment. That generally means the owner stands behind representations and covenants in the agreement (for example, accurate information and not diverting receivables), not an absolute personal promise to repay if ordinary receipts decline. Availability is subject to qualification and underwriting. Always read the guaranty language in the final agreement before signing.
Financial Records
Documents that may be requested
Recent, complete statements are preferable to screenshots or partial months. Provide every page, including blank pages, and avoid altering source documents.
Read the application guide →- Recent business bank statements; the number of months varies
- Business tax returns and year-to-date financial statements when required
- Profit-and-loss statement and balance sheet
- Accounts-receivable and accounts-payable aging for relevant products
- Debt schedule with balances, payments, and creditors
- Vendor quote or purchase agreement for equipment or property
- Lease, contracts, or purchase orders when relevant to the request
- Additional SBA-specific forms and owner documentation for SBA-backed loans
Review your own application first
These checks can reveal questions to resolve before a funder asks them.
Reconcile the figures
Compare stated revenue with bank deposits and financial statements. Explain non-revenue transfers so they are not mistaken for sales.
Map the payment
Add the proposed daily, weekly, or monthly payment to a conservative cash-flow forecast. Include existing obligations and seasonal variation.
Explain anomalies
Be ready to discuss negative-balance days, returned payments, unusual deposits, ownership changes, or a temporary decline in revenue.
Ready when you are
Submitting an application does not obligate you to accept financing. Final eligibility and terms are subject to review and approval.
Apply Now →Let’s Talk About Your Business
Bring your objective, your questions, and a realistic view of cash flow. We will help you take the next informed step.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.