Partner’s guide to working capital documentation

Know the key documents lenders look for when funding working capital.

Hands reaching for documents and colorful sticky notes on a wooden table, illustrating collaboration and planning for working capital requirements in a financial context.

Minimal document requirements

One of the biggest perks of working capital lending is that the paperwork is usually lighter compared to asset finance or a mortgage.

That said, “minimal” doesn’t mean “none.” Some borrowers believe they don't need documents at all or they can access avery large amount—say $300,000 or even more—with their bank statements alone.

To make it simple, we've put together a quick documentation guide for different amounts.

Keep in mind that, although we can anticipate what paperwork may be needed upfront, the fluid nature of lender policy, external factors, and individual issues can all mean extra paperwork later.

After all, working capital lending is case-by-case, and the application process will vary based on each individual business profile.

Upfront paperwork can be collected through the portal, while additional documents should be emailed to our Referrer Support team at applications@valiant.finance.

General document guide

Low-doc (up to $100,000)

Bank statements
ID for all signatories
The privacy, consents and authorities form
Any entity related documents (e.g. a trust deed for a trust entity structure)

Upload the linked bank statements, ID’s, and privacy consents directly into Savanna. Send any other docs to our Referrer Support team at applications@valiant.finance.

Mid-doc ($100,000 to $250,000)

Everything in low-doc, plus:

ATO portals
BAS (on request)
Mortgage statement (on request)

Forward these docs to our Referrer Support team at applications@valiant.finance.

Full-doc (over $250,000)

Everything in low- and mid-doc, plus:

Profit and loss document
2 years of accountant-prepared financials

Forward these docs to our Referrer Support team at applications@valiant.finance.

While there may be exceptions—sometimes you’ll need more, sometimes less—this guide will help you set the right expectations with clients.

This guide outlines typical documentation requirements for working capital loans. Actual requirements may vary based on the lender, loan size, and your client’s circumstances.