A bank loan can serve a company in several ways: whether to generate working capital , buy new equipment , expand physical space or go through times of crisis, such as the one caused by the new coronavirus pandemic.
However, to be eligible for a bank loan of any kind, the company needs to present supporting documents of its cadastral and financial situation.
Therefore, anyone thinking of applying for a bank loan should gather the necessary documentation in advance. This allows you to speed up the process and increase the chances of it being approved.
Continue reading our article today and see the list of the most common documents that financial institutions require to proceed with the bank loan application.
Company documents for bank loan
Social contract or constitutive act
The articles of incorporation or constitutive act is the “birth certificate” of the company.
It contains basic information about the business, including its nature, the type of product or service sold, the initial capital and the corporate format, among others.
The document must be presented in its latest version, with all changes made throughout the company's existence, consolidated with the Board of Trade.
Proof of residence
Proof of business address must also be submitted.
The degree of requirement may vary according to the institution — but, in general, they ask that it be an electricity, water, gas, telephone or internet bill with a maximum of 90 days or the lease of the property.
This proof must be in the name of the company or one of the partners.
balance sheet
The balance sheet is the document that demonstrates the accounting, financial and economic situation of the company on a given date.
Basically, it contains assets and liabilities, including assets, cash on hand and outstanding debt.
In general, financial institutions request the balance sheet for the last three years.
Independent audit opinion
Considering that accounting data can be manipulated, more rigorous bank loans usually request an opinion from independent auditors that proves the veracity of the information presented.
Copy of DIPJ sheets
Legal entities must submit, annually, to the Federal Revenue, the Corporate Income Statement (DIPJ), comprising the result of the previous year. Copies of sheets are usually requested by the banking institution.
Business license
The operating license is the authorization that the company gains to carry out its activity.
It must be requested from the city hall of the city where it is located and authorizes the operation of the business in the indicated place.
According to Law nº 13.874/19 , companies that perform low-risk activities do not need a license.
For those who need it, it is essential to have the license up to date when applying for a bank loan.
Analytical trial balance
The analytical trial balance is a monthly report that informs the totals moved in the company's accounts. It must be presented with the Statement of Income for the Year (DRE), which must have been completed within 120 days from the date of requesting credit from the bank.
Other company documents
The bank loan application may also include the request for:
opening balance sheet and billing forecast for the initial 12 months (in the case of new companies);
delivery receipt of the Corporate Income Tax return (IRPJ) or exemption statement, as the case may be;
authorization to consult the restrictive systems and the credit risk center of the Central Bank Information System (Sisbacen);
Deeds of Real Estate and Vehicle Registration Certificates (CRVs).
certificate from the simplified Board of Trade;
billing statement for the last 12 months signed by the accountant and the person in charge of the company.
In addition, the company may have to present the billing record, according to the tax regime, namely:
Presumed profit
Delivery receipt;
Record 000;
P200 report;
P300 report;
Report Y540.
Real profit
Delivery receipt;
Record 000;
L300 report;
Report Y540.
Simple national
Statement of Socioeconomic and Tax Information (DEFIS);
Simples Nacional Collection Document Generator Program (PGDAS).
Owner's documents
In addition to the company documentation to apply for the bank loan, it may be necessary to present documents from the owner, his partners and their spouses, such as:
Identity Registration;
CPF;
Proof of residence (maximum 60 days);
Individual Income Tax (IRPF) for the last financial year.
It is worth remembering that all documents must be delivered with certified copies. Another option is to bring both the original and an unauthenticated copy when ordering.
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