• Application Checklist

    Here’s a handy checklist for documents typically needed to process your loan application. Once your application and all requested documents have been received, the Underwriting Department will review it and we will contact you with our decision. 

    We’re here to help, so please call us if you have any questions. 

  • Small business loans $75,000 and under 

    • Small Business Credit Application (apply online or print & mail)
    • Business Overview Worksheet
    • Copies of invoices (term loan only; for purchase of equipment, vehicle, etc.)

    Small business loans $75,001 and over

    All items listed below must be completed and submitted together. 

    • Small Business Credit Application (print & mail
    • Business Overview Worksheet
    • Debt schedule
    • Individual tax returns for the past two years
    • Business tax returns with balance sheet or business financial statements for the past two years
    • Currently dated personal financial statement
    • Balance sheet and income interim statements (six months after year end)
    • Invoices, upon request

    Commercial real estate

    All items listed below must be completed and submitted together. 

    • Small Business Credit Application (print & mail)
    • Business Overview Worksheet
    • Debt schedule
    • Individual tax returns for the past two years
    • Currently dated personal financial statement
    • Business tax returns with balance sheet or business financial statements for the past two years
    • Purchase agreement
    • Property description
    • Copy of lease(s) if all or portion of property is for investment purposes 
[Image] Remote Control
Remote. Control. Convenience.
Fast-forward to great moments. And never put your life on pause. Mobile Banking offers the tools you need to manage your finances and focus on your life. Tap into Mobile Banking for banking that’s not just pocket-size — it’s life-size.
 

Credit approval required; Additional terms and conditions will apply; Fees may apply; Not all products or options are available to all customers; Interest rate based on creditworthiness; Advertised products are for business purpose only and not for personal, family or household use; First Niagara does not provide accounting, tax or legal advice.

cancel

Customize Your Experience.

By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.