Thank you for considering Rivermark Community Credit Union for

Thank you for considering Rivermark Community Credit Union for your business lending needs. Please provide the
following documentation to start processing your loan request:
Business Credit Card
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Completed Commercial Loan Application, attached
Business Debt Schedule, attached
Business organizational documents (as applicable)
Business Tax Returns, most recent 2 years
Personal Tax Returns, all owners, most recent 2 years
Business Auto Loan
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Completed Commercial Loan Application, attached
Business Debt Schedule, attached
Business organizational documents (as applicable)
Business Tax Returns, most recent 2 years
Personal Tax Returns, all owners, most recent 2 years
Commercial Real Estate
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Completed Commercial Loan Application, attached
Business Debt Schedule, attached
Business organizational documents (as applicable)
Balance Sheet & Income Statement
Current Personal Financial Statement, attached
Business Tax Returns, most recent 3 years
Personal Tax Returns, all owners, most recent 3 years
Documentation may be dropped off at any branch or sent directly to the Business Services Department.
 business@rivermarkcu.org
 Rivermark Community Credit Union
Attn: Business Services
PO Box 4044
Beaverton, OR 97076
We look forward to working with you.
COMMERCIAL LOAN APPLICATION
8505 SW Creekside Place
Beaverton, OR 97008
503.626.6600
Business must be eligible for membership. Each owner, shareholder, partner or member owning
10 percent or more interest in the business must sign a personal guaranty. A minimum of 1
guarantor is required regardless of percent ownership. Additional guarantees may be required.
Date of Request:
Business Membership #:
APPLICANT PROFILE
Applicant Name (exact legal name)
DBA (if applicable)
Type of Entity
Taxpayer ID Number
Year Business Began Operations
Years of Ownership
Primary Contact Name
Contact Phone #
Email
Preferred Method of Contact
Number of Employees
Number of Locations
Business Physical Location (cannot be a P.O. Box)
Street Address
City
State
Zip
Additional Business Locations
Street Address
City
State
Zip
Street Address
City
State
Zip
What Product or Service Does Your Business Provide?
CREDIT REQUESTED
Purpose of Credit Request
Business Credit Card
Limit Requested
Purchase
Refinance
Business Auto
Year
# of Cards Needed
Transferring a balance?
Amount Requested
Purchase Price/Loan Balance
Make
Model
VIN
Commercial Real Estate
Mileage
Purchase
Refinance
Amount Requested
Purchase Price/Loan Balance
Property Address
Property Type
FINANCIAL INFORMATION
Business Deposit Accounts
Financial Institution
Account Type
Current Balance
Average Balance
Business Liabilities (List all rents, debts, and other business liabilities.)
Payable To
Account Type
(Rent, Term, Credit Card, etc.)
Balance Owing
Monthly Payment
Interest
Rate
Pay off with
proceeds?
%
Yes
%
Yes
%
Yes
%
Yes
%
Yes
%
Yes
*Attach additional pages as necessary
Rivermark Community Credit Union
Page 1
Rev 08/15
COMMERCIAL LOAN APPLICATION - Continued
Applicant Name:
CREDIT REFERENCES
(Vendors, Creditors, and Financial Institutions)
Company
Contact Name
Phone Number
Email / Fax
GUARANTOR / CO-APPLICANT INFORMATION
Name
Date of Birth
Social Security Number
Percent Ownership
%
Phone
Email
Housing Exp: Rent/Mtg
Monthly Income
Source of Income
Name
Date of Birth
Social Security Number
Percent Ownership
%
Phone
Email
Housing Exp: Rent/Mtg
Monthly Income
Source of Income
Name
Date of Birth
Social Security Number
Percent Ownership
%
Phone
Email
Housing Exp: Rent/Mtg
Monthly Income
Source of Income
Name
Date of Birth
Social Security Number
Percent Ownership
%
Phone
Email
Housing Exp: Rent/Mtg
Monthly Income
Source of Income
APPLICANT SIGNATURE(S) / ACKNOWLEDGEMENTS
AUTHORIZATION. Each Business Applicant and each person or entity signing this Application (“Signer”) certifies that all information provided by the
Business Applicant and the Signer is true and complete and authorizes Rivermark Community Credit Union (RCCU) and its agents to: obtain credit and
employment information about the Business Applicant and Signer; obtain credit reports and make any inquiries RCCU and its agents consider appropriate in
connection with this application or review of this loan account from time to time; make RCCU’s experience with this loan account and information about this
application available to credit bureaus and others; share collection information with Signer’s other creditors; and disclose account information as required by
law. Each Signer acknowledges that additional information may be required in order to make a final credit decision.
X
Signature
Print Name
Title
Date
X
Signature
Print Name
Title
Date
X
Signature
Print Name
Title
Date
X
Signature
Print Name
Title
Date
Please attach the following items to this business loan application*
Business
Three years of most recent completed Tax Returns
Recent Balance Sheet, YTD Income Statement
Most recent signed Operating Agreement / Bylaws / Partnership Agreement
Individual (guarantor)
Three years of most recent completed Tax Returns for each individual
Personal Financial Statement for each individual
*Additional financial documentation may be requested as necessary including, but not limited to, business plan, budget, and pro forma financials.
Rivermark Community Credit Union
Page 2
Rev 08/15
BUSINESS DEBT SCHEDULE
8505 SW Creekside Place
Beaverton, OR 97008
503.626.6600
Please include the following information on all business rents, lines of credit, installment loans,
and other notes and contracts. Do not include accounts receivable or accounts payable.
Business Name:
Business Membership #:
Name of Creditor
Type of Debt
Original
Amount/Credit
Limit
Current
Interest Rate
Current
Balance
Monthly
Payment
Maturity
Date
Collateral
%
%
%
%
%
%
%
%
%
%
APPLICANT SIGNATURE / ACKNOWLEDGMENTS
I (we) hereby affirm that the foregoing information contained in the business debt schedule is true, complete and correct. RCCU or its designee is authorized to make any investigation of business either
directly or through any agency employed by RCCU for that purpose now and in the future. I agree to inform RCCU immediately of any matter which will cause any material change to the financial condition
of the business.
x
Signature
Rivermark Community Credit Union
Print Name
Title
Page 1
Date
Rev 08/15
PERSONAL FINANCIAL STATEMENT
8505 SW Creekside Place
Beaverton, OR 97008
Phone (503) 626.6600
Please complete separate Personal Financial Statements if Applicant and
Co-Applicant file separate tax returns.
APPLICANT
CO-APPLICANT
Name
Name
Street Address
Street Address
City
Date of Birth
State
Social Security Number
Zip Code
City
Phone #
Date of Birth
If Applicant Resides in a Community Property State
Married
Separated
State
Zip Code
Social Security Number
Phone #
If Applicant Resides in a Community Property State
Unmarried (single, divorced, or widowed)
Married
Separated
Unmarried (single, divorced, or widowed)
RELATED APPLICANT ISSUES
Have applicant or co-applicant, or any firm in which you were a major owner
ever declare bankruptcy or settled any debts for less than the amounts
owed?
Yes
No
Are applicant or co-applicant a defendant in any suit or legal action?
Yes
No
Are applicant or co-applicant presently subject to any unsatisfied judgments
to tax liens?
Yes
No
When, if ever, have applicant or co-applicant been audited by IRS?
Yes
No
Have applicant or co-applicant guaranteed or endorsed the notes and/or
loans of any other person?
Yes
No
Do applicant or co-applicant have any other contingent liabilities?
Yes
No
Are applicant or co-applicant assets
held in a trust?
Yes
No
If yes, what type?
Living
(If Yes, please explain on separate sheet)
Revocable
Non-revocable
Other_____________
ANNUAL INCOME
APPLICANT
CO-APPLICANT
Salary
$
Salary
$
Bonuses / Commissions
$
Bonuses / Commissions
$
Self-Employment Income
$
Self-Employment Income
$
Net Real Estate Rental Income
$
Net Real Estate Rental Income
$
Dividends / Interest
$
Dividends / Interest
$
Other
$
Other
$
Total
$
Total
ASSETS
$
LIABILITIES
Cash (Sch 1)
$
Loans against Life Insurance Policies
(Sch 3)
$
Securities (Sch 2)
$
Mortgages on Real Estate (Sch 5)
$
Life Insurance Cash Value (Sch 3)
$
Other Liabilities (Sch 7)
$
Notes and Contracts Held by You (Sch 4)
$
Notes payable to Financial Institutions
(Sch 7)
$
Real Estate (Sch 5)
$
Installment/Auto Loans (Sch 7)
$
Other Assets (Sch 6)
$
Notes payable to Others (Sch 7)
$
Automobiles
$
Credit Card Accounts (Sch 8)
$
Personal Property
$
Taxes Due
$
Pension & Retirement Accounts, including
IRA’s
$
Total Assets
Rivermark Community Credit Union
$
Total Liabilities
0
Net Worth
(Total Assets Less Total Liabilities)
Page 1
$0
$
0
Rev 8/2015
SCHEDULE 1 / Cash on Hand
Name of Financial Institution
Type of Account
Account Balance
$
$
$
$
Total
$0
SCHEDULE 2 / Securities Owned
Description
# Shares
Description
(Indicate if Listed or Unlisted)
Par Value
Current Market
Value
$
$
$
$
Total
$0
SCHEDULE 3 / Life Insurance
Insurance Company
Face Value of
Policy
Cash Value of
Policy
Insured / Beneficiary
Loans
$
$
$
Total
$0
SCHEDULE 4 / Receivables Due on Notes & Contracts
Name of Debtor
Maturity
Interest
Rate
Monthly
Payment
Security
Balance Due
%
$
$
%
$
$
%
$
$
$0
$0
Total
SCHEDULE 5 / Real Estate Owned
Property Address
Date
Acquired
Purchase Price
Current Mkt.
Value
Total
Rivermark Community Credit Union
Page 2
Monthly
Payment
Maturity
Balance Due
$
$
$
$
$
$
$
$
$
$
$0
$0
Rev 8/2015
SCHEDULE 6 / Other Assets
Description
Value
$
$
$
$
Total
$0
SCHEDULE 7 / Notes Payable, Installment, & Other Liabilities
Name of Creditor
Collateral
Interest Rate
Monthly
Payment
Maturity Date
Balance Due
%
$
$
%
$
$
%
$
$
%
$
$
%
$
$
%
$
$
%
$
$
%
$
$
$0
$0
Total
SCHEDULE 8 / Credit Card Accounts
Name of Creditor
Monthly
Payment
Limit
Total
Balance Due
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$0
$0
SIGNATURE(S) & DISCLOSURE
I (we) hereby affirm that the foregoing information contained in the financial statement is presented for the purpose of obtaining credit as of the date indicated
and is true, complete and correct. I understand Rivermark Community Credit Union (RCCU) is relying on this statement of my financial condition in making
loan(s) to me. RCCU or its designee is authorized to make any investigation of my credit or employment status either directly or through any agency employed
by RCCU for that purpose now and in the future. RCCU may disclose to any other interested parties RCCU’s experience with this account. I agree to inform
RCCU immediately of any matter which will cause any material change to my financial condition. I understand that RCCU will retain this financial statement
whether or not credit is granted.
x
x
Borrower
Rivermark Community Credit Union
Date
Co-Borrower
Page 3
Date
Rev 8/2015