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.docxStart-up or small business owners who are searching a
business loan will have a better chance of success if they are able to position
themselves as an attractive investment
for banks and other types of lenders.
Financial institutes want to see facts and figures so that they are able to
determine how viable your business is. This is part of their risk assessment.
Most banks and other lenders make their profit from granting loans. They want
to approve loan applications, but the application needs to meet lending
requirements. It therefor can be challenging to write a formal loan request letter
for your business that will impress a lender.
So you will need to prepare more than only business loan request letter! Make sure
that you also include a business plan including a well-designed financial
outlook for the next 4 to 5 years.
The request letter itself should be kept to a single page
(cover page). The request should be made in the first sentence including the
amount required, so the lender learns what he or she needs to know without
having to read the whole letter or turn to another page. This enables the bank to quickly forward the request to the
right department (workflow).
The details of the business should be clearly explained in
one short paragraph. By keeping it compact, it shows that applicant knows what
your business is and what you want to achieve.
The letter should also include the amount that the applicant
has invested into the business from his or her own money. Why should a bank
invest in a company you don’t want to invest in?
It is also recommended
for the applicant to educate him or herself about business loans before
beginning the process of gathering and organizing the required information.
This will enable the applicant to be knowledgeable if their application is
being considered, and they need to speak to a lending officer. Being prepared
is half the work!
We have included sample business loan request letter. The parts
in yellow should be replaced with your
own data. Make sure that you send the letter including attachments by certified
mail, so the applicant has proof of the time and date the letter was sent and received. All enclosure like a
business plan, company certificate etc. should be
copy of the orginal. Never send the original documents!
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