What documents to bring for your credit application?

You are independent and nourish projects for your business. If you opt for financing, you should not wait to complete your projects. Proper preparation of your credit application is therefore wise. Save time and bring the required documents directly to your Good Lending bank branch. Thanks to this checklist, you can get started immediately!

 

What is the purpose of your loan?

loans

Are you borrowing for your business? Save time and bring the necessary documents to your bank agent.

You take out a loan for a well-defined purpose. Buying a company car or renovating your office? Depending on your project, bring the following documents:

  • buying a car or other equipment
    • the signed order form or invoice
  • the purchase of real estate
    • the signed sales contract
    • determining the value of usufruct (if applicable)
  • construction or transformation of real estate
    • the detailed estimate signed
    • offers and plans, if already available
  • credit recovery
  • the takeover of a business
    • the takeover agreement signed
    • the determination of the value of the business by the auditor / accountant
    • the detailed annual accounts for the last 2 financial years of the transferor
    • certificates that the transferor no longer has debts from the privileged parties (ONSS / VAT / TGood Lendingtion)
  • buying shares
    • the takeover agreement signed
    • the determination of the value of the shares by the auditor / accountant
    • the detailed annual accounts for the last 2 financial years of the transferor.

 

What is your corporate structure?

credit loans

You have made the carefully considered choice to organize your business according to a determined structure. Depending on this business structure, you will need the following documents when submitting your credit application:

  • for a sole proprietorship
    • the detailed operating accounts for the last 2 closed accounting years
    • provisional figures for the last financial year
    • the most recent borrower role statements
    • proof of other private income (eg professional income of the co-borrower or rental income)
    • overview of loans already in progress (goal, balance of borrowed capital, monthly charges, final maturity, guarantees provided)
    • your financial plan if you are an independent starter or if the investment involves a return on investment crucial for the future of your business
  • For a company (SC, SA, SP, common law company)
    • if in your possession: the detailed annual accounts for the last 2 financial years closed
    • provisional figures for the last financial year
    • your financial plan if you are an independent starter or if the investment involves a return on investment crucial for the future of your business.