• Company's name, address, telephone/fax number and year of establishment
• Ownership or company registration
• Number of employees in Hong Kong and overseas
• Details of key operation / production facilities located outside Hong Kong e.g. in Mainland (including name, address, number of workers, joint venture nature, etc)

• Business Registration Certificate
• Certificate of Incorporation
• Documentary evidence which shows that the company is properly set up (e.g. business permit) and the paid-up capital

• Company's organisation structure
• Composition of the management team (e.g. individual shareholders, partners, directors, top management executives)
• Experience and qualifications of the management team

• Professional certificates or letters from referees
• Copy of Identity Cards of guarantors and authorised signatories (to be submitted before loan disbursement)
• Memorandum and Articles of Association (to be submitted before loan disbursement)
• Organisation chart of the company / management team

• The information should duly reflect the stability of the company and the governance capability of the management.
• Owner of start-up business should demonstrate his / her capability and experience in operating business in the specific sector.

• Company's products / services
• Production process (including all production lines) and major materials / components used for production
• List of suppliers and clients

• Products / services brochures
• Transaction records (such as sale / purchase contracts, invoices, L/C copies, etc)
• Clients' references and other business references
• Franchise agreements

• If the client list has to be treated in confidence, you should let the lending institution know when you provide it with the list.
• As far as possible, information or supporting documents should be provided to demonstrate the competitive edge of the company and its products / services.

• Past 2 to 3 years' audited accounts, preferably unqualified, and/or management accounts^{[Note 1]}

• Past 3 months' operating statements and cash flow statements
• Past 6 months' bank statements and / or bill statements
• Past 2 years' business income tax returns and tax demand notes
• Company's credit report
• Bill / contract / lease payable, aged accounts receivable (normally not exceeding 90 days) and aged accounts payable

• All statements should be audited by accounting firms, or certified by an independent accountant and approved by the company's board of directors.
• If company's audited accounts are more than 6 months old ^{[Note 2]}(i.e. the closing date of the accounts goes back 6 months or more) at the time of submitting the loan application, a more current operating statement, cash flow statement or management account should also be provided.
• Strong clientele, stable and consistent orders and a reasonable growth in customers would be favourable factors for consideration in loan application.

Financial condition of the owners, partners or shareholders

• Past 3 years' tax returns and tax demand notes (including all schedules) and other proof of personal wealth
• Bank references

• If the lending institution has no prior business relationship with the applicant company (or its owners, partners or shareholders), relevant bank references (showing in particular the debt repayment history and credit history) should be provided to facilitate the lending institution's assessment of creditworthiness of the company.

• Projection of income, expenditure and profitability (including major assumptions for the projection)
• Description of production / trade cycle, including terms of trade, inventory turnover time and lead time
• Operating risk factors and ways to cope with / mitigate them

Evaluation of business plan -

• Target and strategy
• Feasibility study of the business plan -
  Previous experience in handling similar types of business
  Factors and strengths in securing order / business
  Description of production / trade cycle and critical component / technique in production
  Projection of income, expenditure and profitability (including major assumptions for the projection)
  Major business risk factors and ways to cope with / mitigate them
  Time required for attaining the target

• Orders, contracts, invoices and clients' list to support the evaluation of the business prospect or business plan
• Detailed information which demonstrates the competitive edge of the company e.g. ISO Certificate, patent or self-developed technology

• Track records in handling similar types of business are particularly important for new venture in gaining the confidence of lending institutions.
• Projection should be comprehensive and reliable.
• You may need to agree with lending institutions regarding assumptions on business prospect.

• Type of facility
• Amount
• Period
• Purpose
• Proposed repayment schedule
• Source of loan repayment
• Drawdown date

• Explain in full detail the usage of loan to show that the loan will be properly used.
• The lending institution may require the company to provide some forms of recourse or intangible security such as charge of receivables, personal guarantee of shareholders, and charge of shares or debenture etc.