Internal Bank Loan Review of Loan Application
Primary Officer:___________________Prepared By:_______________
Loan Request
Borrower:___________________________________
Business Information:
- Form:______________________________
- Organ Date:____________________________
- Type:__________________________________
- Management:____________________________
- Ownership:_____________________________
Guarantors:________ Typically the owner of the business____________________________________________________
____________________________________________________________
Request:_________________________________________________
____________________________________________________________
____________________________________________________________
Purpose:____________________________________________________
____________________________________________________________
____________________________________________________________
Terms:
- Type:________________________________
- Amount:______________________________
- Rate and Fees:_______________________
- Term_________________________________
- Repayment____________________________
- Primary:_______________________
- Secondary:_______________________
- Tertiary:________________________
- Type_____________________________________________
- Appraised
- Value__________________________________________
- % of ADV:
- Accounts Receivable 75% (0-90 days)__________________
- Inventory 30%_______________
- Equipment 75%_______________
- Marketable Secur 70%_______________
- Commercial and Residential
- Property 75%_______________
- Vacant Land 30-50%____________
- Debt______________________________________
- Avail. Equity_____________________________
- LTV_______________________________________
- Type___________________________________
- Open___________________________________________
- High___________________________________________
- Bal.___________________________________________
- # of REN_______________________________________
- Rate___________________________________________
- Terms__________________________________________
- SEC____________________________________________
- LTV____________________________________________
- Name_______________________________________
- Acct #_____________________________________
- Type_______________________________________
- Opened_____________________________________
- Balance___________ Avg. Col.Bal._____________________
- Rate_______________________________________
Source of Repayment:
Collateral Description:__________________________________
_________________________________________________________
_________________________________________________________
Collateral Valuation:
Flood Hazard:_____________________________________________
__________________________________________________________
Environmental Concerns:___________________________________
__________________________________________________________
Debt:
Payment History:__________________________________________
______________________________________________________________
Line of Credit Usage:
Low Balance:______________ # of Days at Zero:__________
Other Debts:__________________________________________________
______________________________________________________________
Depository Relationship:
Average Cost of Funds:________________________________________
Trust Relationship:___________________________________________
Background Information:_______________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
Financial Statements:
Last three years of business financial statements and tax returns
Last three years of owner's personal financial statements and
tax returns
Current personal financial statement
