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Start-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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