LOAN APPLICATION | DIAMOND FINANCIAL SERVICES | FINANCIAL ANALYSIS FORM
WHY SBA LOAN? | RECENT FRANCHISE LOANS

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Name 
Address 
City, State, Zip
Home Phone
Cell Phone
Business Phone
Pager
Best time to call Which Number
Email Address
Have you Chosen a Franchise? If yes, name of Franchise
Age
Part I. Personal Financial Statement (PFS)
Liabilities Assets
Total Credit Card Debt
$ 		Checking/Savings
$
Car Loans/Leases
$ 		Certificate of Deposit
$
Loans against investments / Insurance
$ 		Money Market Account
$
Student Loans
$ 		Mutual Funds
$
First Mortgage
$ 		Stocks
$
Second Mortgage
$ 		Stock Options
$
Home Equity Line
$ 		Bonds
$
Taxes Due
$ 		Treasury Bills
$
Taxes-Investments
(if cashed in)
$ 		Investment Real Estate
$
Taxes-Retirement
(if cashed in)
$ 		401K or 403B
$
IRAs or Keogh
$
Pensions
$
Value of Life Insurance
(cash value only, not term policy)
$
Value of Private Business
$
Home
$
Car
$
Other (Jewelry/ Furnishings)
$
TOTAL LIABILITIES
$ 		TOTAL ASSETS
$
TOTAL NET WORTH
$
   
Part II. Personal Income & Expense Analysis (PIE)
INCOME
Source of Income Annually
Gross Salary - Principal $
Spouse $
Other income $
Rental $
Interest $
Dividend $
Other $
Total Income:
$
   
EXPENSES All answers should be on an annual basis
Mortgage - Personal Residence (PITI) $
Rental Property (PITI) $
Alimony $
Automobile Loans $
Child Care $
Credit Card Expenses
(5% of credit balances)		 $
Educational Expenses $
Income taxes
(based on highest amount of past 3 yrs)		 $
Installment Loans $
Insurance
(Medical/Life)		 $
Miscellaneous
(minimum 10% of total income)		 $
Personal Expenses $
Property Taxes
(if not included in mortgage payment(s))		 $
Rental Property Expenses $
Utilities
(including telephone and cable)		 $
Other Expenses $
Total Expenses:
$
Net Discretionary Income (Income minus Expenses) $
Coverage Ratio (Income/Expenses) $
   
Part III. Questionnaire
How is your personal credit?
Do you know what your credit score is?
Have you had a bankruptcy within the last 10 years?
How much credit card debt, if any, do you have? $
Current/latest occupation:
Current/latest job title:
Current/latest salary $
Would you still be retaining your current salary?
Do you own a home or other property?
How much equity is in your home? $
How much equity is in the other property? $
Do you have a second income?
Available cash to invest: $
Are all your taxes current (Business or Personal)?
Have you applied for an SBA Loan before?
Were you approved?
Do you owe any money for student loans?
Are you current with your payments?
Are you a US citizen?
Have you ever been charged with, arrested or convicted of any criminal offense other than a minor vehicle violation?
Have you ever owned a business or franchise before?
If yes, please explain:
Considering other family income and your cash reserves, what is the least amount of yearly income you will need to draw from your business during the first year?
Please send to attention:
(or leave blank and submit to first available consultant)