Useful documents when meeting with your advisor

Here’s a list of documents that we will usually ask you for if you are applying for a loan.

Commercial loan (and all related requests)

  • Proof of listing on the Commercial Register
  • Articles of incorporation
  • List of shareholders
  • Signed balance sheet and income statement (for the past 3 reporting periods)
  • Auditor’s report (with annex to the accounts for corporations)
  • Operating budget
  • Cash-flow projection
  • Extract from the debt collection office
  • Tax certificate
  • Business plan

Capital goods loan or working capital loan

  • Investment budget
  • Supplier’s offer
  • Description of equipment in question

Mortgage loan for purchase of existing property

In addition to the documents requested for a commercial loan:

  • Extract from land registry
  • Cadastral map
  • The detailed building fire insurance policy
  • The provisional sales agreement or copy of the deed of sale
  • Projected rental income figures (if applicable)
  • Draft condominium articles of incorporation and regulations (if applicable)

Mortgage loan for construction project

In addition to the documents requested for a commercial loan:

  • Extract from land registry
  • Cadastral map
  • Detailed building fire insurance policy
  • Details of construction project
  • Signed building plans
  • Itemized cost estimate broken down by trade
  • Building permit
  • Financing plan with details of downpayment
  • Projected rental income figures (if applicable)
  • Draft condominium articles of incorporation and regulations (if applicable)

Mortgage loan for renovation project

In addition to the documents requested for a commercial loan:

  • Extract from land registry
  • Cadastral map
  • Detailed building fire insurance policy
  • Signed renovation plans
  • Itemized cost estimate

Guarantee

For guarantees for individuals, the following information is required:

  • Income (payslip)
  • Extract from the debt collection office
  • Tax certificate

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