Business line of credit

Local community bank — line of credit

Fit 75Cold inbound OK

Sample data — verify thesis, stage focus, and contact info before reaching out.

Working-capital line of credit from a community bank where you already bank.

Stages

Revenue-stageLifestyle / bootstrapped

Geographies

usglobal

Industries

local-businessservice-businessagencysector-agnostic

Business models

servicesmblifestyle

Check size

$10,000 to $250,000

Founder segments

first-time-foundernon-technical-founderveteran-founder

How to reach them

Schedule a meeting with your business banker. Bring 2 years tax returns + bank statements.

Outreach starter

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Lender preparation checklist

# Lender preparation checklist

Bring everything below to your first lender meeting.

- [ ] Two years of business tax returns (Form 1120 / 1065).
- [ ] Two years of personal tax returns for any 20%+ owner.
- [ ] Year-to-date profit and loss statement.
- [ ] Year-to-date balance sheet.
- [ ] Last three months of business bank statements.
- [ ] Business debt schedule (loans + lines of credit + leases).
- [ ] Articles of incorporation + EIN letter.
- [ ] Business license + any required permits.
- [ ] Lease or property deed.
- [ ] Three years of projected financials with assumptions.
- [ ] Detailed use of funds (line-itemed).
- [ ] Personal financial statement for each guarantor.
- [ ] Resumes of the leadership team.

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How to reach them

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