Hazelgate Capital's guides for Bartlesville, Oklahoma owners cover zoning and building code steps before a lease, Oklahoma ABLE Commission licenses for restaurants and bars, and a line of credit interest calculator. This page also sets out a loan documentation checklist, a cash flow forecast and a business plan outline for a funding request.
Commercial loan documentation checklist: questions Bartlesville, OK owners ask
- Business bank statements, every page, for the months the lender names.
- Business tax returns for the last one to three years, with all schedules.
- Profit and loss for the year so far, with a balance sheet as of last month's close.
- An accounts receivable aging report, for lines of credit and working capital.
- A debt schedule listing every loan, lease, line and advance with its payment.
- Formation documents, the EIN letter and any licenses the business holds.
- For a purchase: quotes, the purchase agreement or the contractor's bid.
A complete file at the start avoids a partner coming back for missing pages, a source of delay that the owner alone can remove.
Cash flow forecast for loan applications: how it works in Bartlesville, OK
A cash flow forecast for a loan application shows, week by week or month by month, the cash coming in and going out, and where the balance runs low. Lenders use it to see whether the payment fits and whether the gap is real.
| Week | Cash in | Cash out | Ending balance |
|---|---|---|---|
| Week 1 | $42,000 | $51,000 | $6,000 |
| Week 2 | $38,000 | $30,000 | $14,000 |
| Week 3 | $40,000 | $28,000 | $26,000 |
| Week 4 | $45,000 | $47,000 | $24,000 |
Illustration only, invented figures: in this four-week forecast the balance falls to $6,000 at its low point, after the first week's payroll and supply run (our arithmetic). A line of credit sized to cover a dip of that kind, with room to spare, is the request the forecast supports.
The cash flow forecast inside a loan application process for Bartlesville, OK businesses
Inside the application process the forecast does three jobs. It sizes the request: the deepest shortfall, not a round number. It sets the term: how long until the gap closes. It shows repayment: which inflows retire the debt. Base each line on the business's own history, mark anything that is an assumption, and keep a copy to compare against actual results.
A business plan for a loan application from a Bartlesville, OK business
A business plan for a loan application does not need to be long. For an existing Bartlesville, OK business, it needs five parts a partner can check against the records:
- What the business does and how long it has done it.
- What the money is for, with quotes or bids.
- How the purchase or project changes revenue or costs.
- The cash flow forecast, with the payment included.
- Who runs the business and what happens if the plan runs late.
Washington County, OK had 1,160 employer establishments in 2023 (County Business Patterns 2023), and a plan that places the business among them, such as one of the county's 173 health care and social assistance employers, helps a reader see its market.
By Hazelgate Capital ยท Updated
