Loan Document Checklist
Everything we need to start underwriting your request, organized by category.
To begin underwriting your request, Zion Capital Warehousing Group needs the documents listed below. A complete package up front moves your file through review faster and gets it in front of the right capital source sooner. Items marked "if available" aren't required to start the review, but should be sent in as soon as you have them. Please organize everything in a shared drive or data room and give your Zion contact view access.
01
Borrower & Principal Identification
- Government-issued ID (all guarantors and principals)
- Beneficial ownership information (25%+ owners)
- KYC / AML questionnaire
- Personal financial summary (1–2 pages)
- Real estate owned schedule (summary)
- Sponsor resume / track record
- Litigation, bankruptcy, or foreclosure disclosures
02
Borrowing Entity
- Form W-9 (borrowing entity)
- Formation documents (articles of organization or certificate of formation)
- Operating agreement or bylaws
- EIN confirmation letter
- Ownership / cap table (summary)
- Certificate of good standing (60 days old or newer)
- Resolution to borrow and encumber (short-form)
03
Property & Financial Information
- Property address(es) and APN(s)
- Property type and current use
- Current rent roll
- Trailing 12-month operating statement (T-12)
- 5-year pro forma, showing a minimum 1.24x DSCR in every year
- Property photos (interior, exterior, and site)
- Latest appraisal If Available
- Preliminary title report or last title policy If Available
- ALTA survey If Available
- Environmental Phase I report If Available
- Zoning confirmation If Available
- Site plan / floor plans If Available
- Leases (top 5 tenants or summary schedule)
04
Transaction Details
- Sources and uses (high-level summary)
- Loan request summary (amount, term, and use of proceeds)
- Use of funds narrative
- Exit strategy / takeout plan
- Existing debt statement and payoff letter (if refinance)
- Executed purchase and sale agreement (if acquisition)
- Construction budget If Available
- Project schedule / Gantt chart If Available
- Permits and approvals status summary If Available
- Equipment list with serial numbers (industrial properties, if applicable) If Available
- UCC search results If Available
05
Insurance & Compliance
- Current certificate of insurance (COI) and insurance declarations
- Flood determination If Available
06
Data Room & Contacts
- Data room or drive link (view access)
- Primary contacts sheet (names, roles, phone, and email)
- Information-sharing consent and privacy acknowledgment
Questions about this checklist should go to your Zion Capital Warehousing Group contact. We may request additional items during underwriting depending on your specific transaction. Everything you submit is treated as confidential in accordance with Zion Capital Warehousing Group's information-sharing and privacy practices.
