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Merrimack County Savings Bank
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Merrimack style is treating everyone – customers, employees and community members – with dignity, care, respect and compassion.

  • NHTrust Financial Advisors
  • New Hampshire Mutual Bancorp

Commercial Loan Meeting Checklist

Tom Dustin, Vice President, Commercial Loan Officer and Brad Kulacz, AVP, Branch & Business Development Manager, Merrimack County Savings Bank with Chris Gilbert (r), General Manager of Concord Food Co-op.

Meeting with a Business Lender? Here’s what you will need.

At Merrimack County Savings Bank, our knowledgeable and helpful lenders are eager to work with you to assist in making the most of your business.

To help us evaluate the best solutions for your needs, please have the items below available for our first meeting:

  • The amount of your loan request and the purpose of your loan request
  • Income tax returns and financial statements for the last three years of the business
  • Current personal financial statements for each person who owns 20% or more of the business, as well as their personal income tax returns for the last two years
  • Projected cash flow statements for the next 24 months
  • Pro forma financial statements, such as projected balance sheets and income statements, for the next 24 months and/or length of the loan
  • A copy of existing and proposed deed and current property tax bill, if the loan request is in regards to a commercial real estate transaction
  • If you plan to pledge property for collateral for your loan, or think you may want to consider that option, please have valuations and statements about the property you wish to use as collateral
  • A written business plan. (Click here to read more on how to write a Business Plan)
  • Partnership Agreement, Corporate or LLC documents, if applicable
  • A copy of the purchase order or invoice of equipment with serial or ID numbers, if applicable
  • A copy of the purchase and sale agreement, if applicable
  • For construction loans only: building plans, budget or “schedule of values”, copies of building permits and site approvals
  • A completed Certification of Beneficial Owners Form, if applicable. (Click here to learn more about the beneficial owner certification requirements)
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Personal Business

PO Box 2826
Concord, NH 03302-2826
603.225.2793
800.541.0006
Telephone Banking: 888.224.6272
NMLS#433938

Equal Housing Lender | Member FDIC

© 2022 Merrimack County Savings Bank

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  • Personal
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    • Checking & Savings
      • Apply
      • Rates
      • Checking
      • Order Checks
      • Savings, Money Markets, CDs & IRAs
      • Health Savings Accounts
      • Overdraft Programs
      • CheckReserve Line of Credit
      • Courtesy Pay
      • $5 Allowance
    • Home Lending
      • Home Lending Team
      • Apply
      • Rates
      • Home Lending
      • Home Loans for University Professionals
      • Home Loans for Medical Professionals
      • Home Equity Lines & Loans
      • Home Buying Road Map
      • First Time Homebuyers
      • Mortgage Assistance Programs
    • Personal Lending
      • Apply
      • Rates
      • Personal Lending
      • Cash Line
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Mutual Benefits Program
      • Mutual Benefits Program
      • Tiers and Benefits
      • Local Partners
      • Mutual Benefits Member Portal
      • Personality Quiz
    • Safe Deposit Boxes
  • Business
    • Business Team
    • General Lending Services
      • General Lending Services
      • Medical & Dental Practice Loans
      • Paycheck Protection Program
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    • Checking & Savings
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Additional Business Services
    • Mutual Benefits Business Partner Program
  • Resources
    • Financial Education
    • News
    • Routing Number
    • Wire Transfer Instructions
    • Newsletter
    • Banks Never Ask That
    • Webinars
      • Customer Webinars
      • Realtor Webinars
    • Calculators
      • College Savings Calculator
      • Loan Calculator
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  • About
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    • Community Involvement
      • Foundation Application
    • Privacy & Security
    • Annual Community Photo Contest
    • Affiliates
      • NHTrust
      • Meredith Village Savings Bank
      • Savings Bank of Walpole
      • New Hampshire Mutual Bancorp
    • History
    • Directors
    • Leadership Team
    • Values
    • Annual Report
    • Hours & Locations
    • Holiday Schedule
  • Contact
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