SIGMA CREDIT CAPITAL — FINANCING PREPARATION CHECKLIST
Reviewed 31 October 2026

START HERE
[ ] Three years of financial statements, audited if available
[ ] Current management accounts
[ ] Short business description
[ ] Amount, currency, timing and use of proceeds

DEVELOP THE CREDIT CASE
[ ] Cash-flow forecasts and repayment assumptions
[ ] Ownership and incorporation information
[ ] Existing debt, security and maturity schedule
[ ] Relevant collateral or asset information
[ ] Recent bank statements, when requested by the lender

READ A FINANCING QUOTE
[ ] Exact reference rate and interest calculation convention
[ ] Margin and any rate floor
[ ] Arrangement fees and ongoing charges
[ ] Repayment schedule and early-repayment terms
[ ] Security package and guarantee obligations

Requirements vary by lender, jurisdiction and structure. Completing the
checklist does not imply approval. Do not send passwords or account access
credentials. Agree a secure channel with the desk before sharing documents.

Source: British Business Bank — How to apply for a business loan
https://www.british-business-bank.co.uk/business-guidance/guidance-articles/finance/how-to-apply-for-a-business-loan

Source: Sterling RFR Working Group — Best practice guide for GBP loans
https://www.bankofengland.co.uk/-/media/boe/files/markets/benchmarks/rfr/best-practice-guide-for-gbp-loans.pdf

Contact: rveles@sigmacreditcapital.com
Sigma is a commercial credit intermediary, not a lender.