Business Capital Preparation
Organize the purpose, timing and business records providers commonly request later. Nothing is uploaded through this website.
Cadenhead Legacy Group is not a lender and does not make credit decisions. Financing is offered, approved and contracted by independent banks, lenders or funding providers on their own terms. This is a conversation request — no financial information is collected through this website.
Before the conversation
You do not need to send documents through the website. Start by writing down what the business is trying to do, when it needs to happen and how the move is expected to help.
Preparation checklist
Print it or save it as a PDF and fill it in on your own. Nothing is sent to us.
State the purpose in one sentence, the estimated amount needed and the timing.
Explain whether it adds revenue, capacity, efficiency or stability, and when the benefit should begin.
Know the legal business name, ownership, time in business, industry and primary operating location.
Understand recent revenue, seasonality, major customer concentration and the timing of deposits and expenses.
List existing business debts, leases and other recurring commitments for your own review.
A provider may later request business bank statements, tax returns, financial statements, debt schedules, invoices, equipment quotes or purchase documents. Share them only directly with the provider, through its secure portal or another secure method the provider approves.
Ask about proceeds, total repayment, payment frequency, fees, APR or factor rate, collateral, guarantees and prepayment terms.
General preparation, not a lender's list
The checklist on this page is general preparation that helps almost any funding conversation. It is not a list of what a particular bank, lender or funder will require. Requirements differ by provider, by financing structure and by business, and a provider may ask for more, less or different information.
Gather what you reasonably can, keep it organized for yourself and share records only after you know who is asking for them, why, and through what secure method.
Preparation by purpose
Replacing, upgrading or adding equipment the business depends on.
Adding people, capacity, services or a build-out in space the business already leases.
Covering a temporary cash-flow gap, seasonal need, inventory purchase or growth period.
Opening another operating location: build-out, equipment, inventory and opening working capital.
Buying a business, receivables and large orders follow the same pattern: describe the purpose, the amount and timing, and how the move supports repayment. See every business need →
Questions to consider
Clear answers make any conversation shorter and more useful. None of them need to be sent through this website.
A useful first call
Funding preparation questions
No. Start with the purpose, the estimated amount and the timing. Records come later, only if a provider asks for them, and they go directly to the provider through its secure portal or another secure method the provider approves, not through this website.
No. Each bank, lender or funder sets its own requirements, and they differ by financing structure and by business. The checklist on this page is general preparation, not a promise of what any provider will request.
No. Do not submit bank statements, tax returns, account numbers, Social Security numbers, dates of birth, credit information, identification documents or other financial files through this website.
Build it from quotes, estimates or invoices for what the money will pay for, then note when each cost occurs. A clear breakdown is more useful than a round number.
Compare the proceeds you receive, the total amount repaid, payment size and frequency, all fees, APR or factor rate, collateral, any personal guarantee and prepayment terms.
After the conversation
Who you work withYour initial conversation is with Cadenhead Legacy Group. If an introduction to a provider may be appropriate, we will identify the provider and tell you whether the provider relationship is held by Cadenhead Legacy Group or the affiliated company, Gulf Coast Merchant Services. We will obtain your permission before sharing any information about you or your business with that provider.
Credit reviewCadenhead Legacy Group does not check your credit. If you later apply with a provider, that provider may review business and personal credit, which can include a hard inquiry. Ask the provider how and when it will review credit before you apply.
Sharing informationWe share information about you or your business with a provider only with your permission. Financial documents must be submitted directly to the provider through its secure portal or another secure method the provider approves—not through this website and not by email to Cadenhead Legacy Group or Gulf Coast Merchant Services.
FeesWe do not charge an upfront fee or application fee for a Business Capital conversation or introduction. Any separate paid consulting engagement would have its own written scope and disclosed fee. A provider may charge its own fees, which it sets and must show in its own documents.
Last reviewed October 15, 2026
Business Capital
Cadenhead Legacy Group is not a lender and does not make credit decisions. Financing is offered, approved and contracted by independent banks, lenders or funding providers on their own terms. This is a conversation request — no financial information is collected through this website.