Full Fundability Structure Checklist

Use this checklist to ensure your business is fully compliant, credit-ready, and lender-approved. Your progress is saved automatically in your browser.

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🏗️ Business Foundations

Business legally formed as LLC, S-Corp, or C-Corp Entity active with Secretary of State Articles of Incorporation/Organization on file Operating Agreement signed and stored Business name matches across all records EIN issued and linked to current business name/address Physical or verified virtual business address

☎️ Contact & Brand Consistency

Dedicated business phone (not personal cell) Phone listed with 411 or Google Business Professional domain-based email ([email protected]) Website live, secure (HTTPS), and mobile-friendly Consistent business information across all platforms

🏦 Banking & Financial Setup

Business bank account opened under EIN At least 3 months of banking activity No overdrafts or negative balances Bookkeeping system in place (QuickBooks, Xero, etc.) Merchant account set up under business name

🪪 Licensing & Compliance

Registered with your state's Secretary of State City, county, or state business licenses current Industry-specific licenses valid and up to date Business insurance policy in place (General or Professional) Certificates list correct business name and address

🧾 Credit & Reporting Structure

D-U-N-S Number established with Dun & Bradstreet Listed with Experian Business and Equifax Small Business Information matches across all bureaus At least 3 vendor accounts reporting Trade accounts paid on time

💳 Personal Fundability Alignment

Personal credit utilization under 30% No active derogatory items or collections Active credit monitoring on all 3 bureaus Personal info consistent with business docs

🧠 Final Fundability Confidence Check

All info matches across business, banking, and credit 3–6 months of clean banking history 3 verifiable trade references available Use-of-funds plan documented Business story is lender-friendly and easy to explain

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