Shorerock Loans, a small-business funding service in Marietta, Georgia, sets out how a Cobb County funding request moves: the first call, a shortlist of funding types, partner review and the owner's decision. It lists the documents a partner may request and what partners look at.
How to Get a Business Loan? What Partners Look At in Marietta, GA
- Describe the expense. Call or send the form: name, phone, email, company name if any, and ranges for time in business, annual revenue and the amount requested.
- Narrow the options. On the call we discuss which of the six funding types fit the purpose.
- Partner review. A funding partner reads the request and may ask for records.
- Your decision. If an offer arrives, you read it in full, total the cost and decide.
Each partner looks at the purpose, the business's deposits, its time operating, existing debts and the owner's history. With 22,148 employer establishments in Cobb County in 2023 and most of them small, the business's own bank statements are the core of the file.
Business Loan Documents Checklist in Marietta, GA
- Business account statements covering recent months
- Business tax returns and, where asked, personal returns
- A list of existing loans, leases and advances with payments
- Identification for the owners
- For a purchase: the quote, invoice or purchase agreement
- For a practice buy-in: the firm's financials and the agreement
Bank Statements for Business Loans
Statements show deposits, balances, returned items and payments to other funders. A partner reads them to see whether the new payment fits. Keep business and personal accounts separate if you can; a statement mixing both is harder to read. Self-employment is part of the county economy, at 11.1% (+/- 0.5) of employed residents (ACS 2020-2024), and sole owners benefit most from a dedicated business account.
What Do Banks Look at for a Business Loan?
Banks and other funders look at credit history, cash flow, collateral, time in business and the purpose of the money. Partners reviewing requests sent through Shorerock make their own judgments on those factors. We do not know any partner's decision in advance and cannot change it.
Documents Required for Business Loan: What Cobb County, GA Owners Compare
A short working capital request may need only bank statements; a practice acquisition can need years of tax returns, the seller's figures and a purchase agreement. Ask the partner for its list before you gather everything, and keep copies of what you send.
What Documents Do I Need for a Business Loan? Answers for Marietta, GA Owners
Nothing at the start. The form asks only for contact details and three ranges. If a partner reviews the request it will name the records it needs. If equipment is part of the request, your latest Cobb County business personal property return lists what the business owns; the personal property return guide explains it.
Who decides, and what the decision includes
The funding partner decides whether to make an offer and sets the amount, cost, term and any collateral. Acceptance rests with you alone. Before signing, read the disclosures and compare total cost in dollars. For card-heavy businesses, the merchant cash advance page explains a product that is not a loan; for repeating gaps, see the line of credit page.
Two ways to begin a request from Cobb County, GA
Phone (770) 275-6482, or fill in the request form instead. Short answers on early payoff, LLCs and timing are on the FAQ page.
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