USFND Full Application

Business Funding Intake | USFND

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1. Core Applicant Profile

Full Legal Name *

Legal Business Name *

Phone Number *

Email Address *

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Entity Type *

Industry Classification *

Business Location (State) *

Time in Business *

Owner Personal Credit Score (FICO) *

Average Monthly Revenue *

Funding Amount Requested *

Reason for Capital *

Active Business Bank Account? *

Primary Business Bank Name (Optional)

Owners with 20%+ Financial Interest

Owner 1 Name & Entity Percentage (Optional)

Owner 2 Name & Entity Percentage (Optional)

Confirm all 20%+ owners are willing to provide a personal guarantee if needed? *

Select Target Commercial Program

SBA 7(a) Additional Diagnostics

Requested Amount (Up to $5M)

Desired Repayment Term Length

Primary Use of Case / Purpose

Total Number of Current Employees

Net Operating Profit (Last Calendar Year)

Any Delinquent Federal Debt?

Total Current Business Assets

Total Current Business Liabilities

Debt Service Coverage Ratio (DSCR)

If Real Estate Acquisition is Involved:

Property Street Address

Total Purchase Price ($)

Will Business Owner Occupy 51%+ of Property?

Property Building Type

SBA 504 Commercial Real Estate & Machinery

Total Projected Project Cost

Requested Portion (Up to $5M SBA debenture)

Cash Down Payment Available (Expected 10%)

Specific Project Asset Type

Property Target Address

Appraised Value ($)

Projected Owner Occupancy (%)

Property Building Type

Sponsor Tangible Net Worth (under $20M)

Sponsor Average Net Income (under $6.5M)

Is Sponsor a Passive Investment Entity?

Current Active Employees

Projected Jobs Created (2 Yrs)

Projected Jobs Retained (2 Yrs)

Meets Job Requirement (1 per $75K CDC Limit)?

Phase I Environmental Inspection Completed?

Known environmental issues exist?

If Construction Work is Involved:

GC Company Name

GC License Number

Construction Timeline (Months)

Lead Architect / Engineering firm

Bank Term Loan Diagnostics

Requested Funding Capital Amount

Desired Repayment Term Length

Primary Purpose Statement

Total Average Monthly Expenses

Current Account Operating cash balance

Outstanding Commercial Debt Balances

Total Monthly Business Debt Service ($)

Collateral Available to Pledge?

Describe Offered Collateral & Estimated Value ($)

Are there other personal guarantors available?

List Co-Guarantors (Name, Ownership %, Credit Score)

Details of present Loans, Lenders, and Monthly Repayment Amounts

Equipment Financing Invoice Diagnostics

Specific Asset Name / Type

Quoted Equipment Value (Invoice Cost)

Equipment Wear Condition

Equipment Supplier / Vendor Corporate Name

Installation / Storage Physical Address

Down Payment Cash Available

Desired Financing Term (Months)

Equipment Contract Amortization Preference

Is the target equipment already insured?

Expected Delivery Timeline

Is Equipment used strictly for commercial business activities?

Expected Useful Operational Life of Asset

Are you financing multiple individual equipment assets?

Is specialized professional rigging/installation required?

Itemized list of all other equipment pieces (Name, Serial/Specs, Cost per item)

Does the equipment carry a supplier warranty?

Warranty Details (E.g., 12 Months Parts & Labor, OEM backed)

How will this specific equipment expand business revenue?

Business Line of Credit Diagnostics

Requested Line of Credit Limit ($)

Immediate Primary Utilization

Average Monthly Expense Flow

Average Monthly Gross Revenue

Does the business experience high revenue seasonal fluctuations?

Does the business have contracted recurring model billing revenue?

Receivables (Asset Base) Balance Sheet Details:

Total Outstanding accounts receivable

Average days to collect receivables

Are there receivables over 90 days past due?

Total Overdue Receivables Value ($) over 90 days

List Top 3 Customers (Company Names and % split of total receivables balance)

Payables, Banking relationship stability:

Total Outstanding accounts payable

Average days you take to pay Suppliers

Does supplier offer early payment discounts?

Years with current commercial operating bank

Any NSF block fees / overdrafts last 12 months?

Number of NSF / Overdrafts logged last 12 months

Do you have existing active commercial lines of credit?

Total Business Credit Card Debt ($)

Total Monthly Credit Card Repayments ($)

Intended drawing and usage frequency

Are you willing to pledge commercial assets to secure line?

Detailed utilization plans and sources of line repayment

Working Capital Advance Diagnostics

Target Capital Injection Amount

Primary Use of Capital

Main Diagnostics (Bank Deposit Activity Trends):

Average Monthly Business Bank Deposits ($)

Deposit Tracking Interval / Cadence

Average Number of Bank Deposits (per selected interval)

Number of Negative Balance Days last 3 months

Secondary Diagnostics (Credit Card Processing):

Optional: Monthly Merchant Bank Card Card Volume ($)

Merchant Credit Card Processor Corporate Name

Can accept daily / weekly micro-ACH repayments?

Is this a seasonal commercial business?

Do you have existing active cash advances (position stack)?

Detail immediate injection uses and capital ROI plans

Invoice Factoring Operations Guide

Total Average Monthly Invoice Receivables Value

Standard Repetitive Client Invoice Amount

Your Client Payment Credit Terms

Standard Corporate Customer Profile

Do you have a single client making up over 50% of revenue?

Top Payer Corporate Name & Active Representative

Run-Up Secondary Corporate Payer Name

How are invoices sent to customers?

Is client notification of assignment acceptable?

Are there any open tax liens or legal attachments on assets?

Outstanding Accounts Receivable Aging breakdown

Purchase Order Financing Underwriting

Outstanding Purchase Order Amount

Amount Needed from PO Financing

End Customer Name (Payer who issued PO)

Primary Parts & Supplies Manufacturer Name

End-Customer Credit Notes / Rating

Supplier Payment Terms

Required Fulfill / Delivery Date

Expected End-Client Payment Date

Is any part of the PO work already completed?

Sponsor Payer Customer Profile

Years working with this PO Client

Years working with this Supplier

Are parts manufactured or require assembly?

Is pre-shipment quality inspection required?

Detailed description of Goods/Services being produced

Confirmed receiving a fully signed legal Purchase Order from client?

Commercial Real Estate (CRE) Detailed Underwriting

Target Property Address

Property Asset Class Type

Estimated Market Value

Property Purchase Price (If Acquiring)

Current First Loan Balance (If Refinancing)

Current Mortgage Lienholder Name

Current Mortgage Interest Rate (%)

Current Monthly CRE Payment ($)

Mortgage Maturity Date

Active Property Occupancy Profile

Occupancy Percentage (%)

Active Monthly Rent Roll ($)

Property Vacancy Rate (%)

Net Operating Income (NOI / Yr)

Debt Service Coverage Ratio (DSCR)

Requested LTV Target (%)

Property Inspection Report Status

Deferred Maintenance?

Known Environmental Concerns?

Fix & Flip Property Detailed Underwriting

Target Property Address

Acquisition Purchase Price

Estimated Construction/Rehab Budget

After Repair Value (ARV expectation)

Double-checked Flips Completed (Last 3 Yrs)

Double-checked Sponsor Experience (In Years)

Is General Contractor (GC) hired?

Estimated Project Timeline (Months)

Project Exit Strategy

Liquid cash available for Reserves & Deal ($)

Sourcing of Cash Equity

Do you currently hold the title?

Is zoning approved for rehab work?

Are municipal permits pulled?

Has active contractor general liability insurance?

I hereby certify and confirm that the details provided are clear, legitimate, and accurate under normal commercial terms. *

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Commercial Funding Intake

Select Target Commercial Program