Business Access Loan Application and Agreement

Business Access Loan Application and Agreement

Zions Bancorporation dba California Bank & Trust ("Bank") cannot process applications that are incomplete, unsigned, or missing information documentation. Pending Bank's credit review and underwriting, the Bank may request additional information or documentation.

Credit Request

Loan Type:
Line of Credit   Term Loan   SBA Express Loan   Overdraft Line of Credit   Cash/CD

Amount Requested:

Loan Purpose (explain the purpose of the funds):

Collateral Type:
Vehicle   Equipment   Machinery   Unsecured (Line of Credit Only)   Cash/CD

Collateral Description (Year/Make/Model – Provide Purchase Order; C.D. #):

Estimated Value:    Authorization for Bank to advance funds to vendor upon loan approval (term loan only)

Business Applicant Information

Name Applicant / Business Legal Name / Owner’s Legal Name:

Doing Business As (DBA):   Taxpayer ID#:

Business Applicant Street Address:    Check if home-based

City:   State:   Zip Code:

Business Applicant Mailing Address:   City:   State:   Zip Code:

Applicant Phone Number:   Date Business Applicant’s Established (Month/Year):

Under Current Ownership Since (Month/Year):   Applicant Business Location: Own Lease   #Years:

Last Year’s Business Applicant Annual Gross Sales/Revenue:   Last Year’s Business Applicant Annual Net Income (before taxes):

Number of Employees:   State of Business or DBA Filing:

Business Applicant Monthly Debt Payments (Principal and Interest):   Total Balance of All Business Applicant Outstanding Debts:

Do you currently bank with us? Yes No

Primary Contact Name:   Primary Contact Title:   Primary Contact E-mail Address:   Primary Contact Phone Number:

Business Applicant Type:
C. Corp. S. Corp. LLC PLLC Partnership Limited Partnership Sole Proprietorship Trust Other:

Business Applicant’s Description (Product/Service Provided):

Auto Debit: Yes No   Average Checking/Savings Balances:

CBT Bank Account Number:

Other Information

Is each Owner, Joint Applicant, and Guarantor(s) a U.S. Citizen?
Yes No

Has the Business, Owner, Joint Applicant, or any Guarantor filed for bankruptcy / defaulted / had litigation / foreclosure in the last 7 years?
Yes No

Does the Business, Owner, Joint Applicant, or Guarantor owe any taxes currently past due or for prior years?
Yes No

Is the Business, Owner, Joint Applicant, or Guarantor a director, executive officer, or principal shareholder of a financial institution?
Yes No

Information for SBA Government Guaranteed Loan Consideration

Presently subject to indictment, criminal information, arraignment, or other formal criminal charges?
Yes No

Has the Applicant, Owner, or Guarantor been arrested in the past six months for any criminal offense?
Yes No

For any criminal offense other than a minor vehicle violation, has the Applicant, Owner, or Guarantor ever been convicted / pled guilty / pled nolo contendere / placed on diversion or probation?
Yes No

If 50% or more owner, are you more than 60 days delinquent on any child support obligation?
Yes No

Applicant Authorization, Agreement, and Acknowledgement

By signing below, the Applicant certifies the information provided is true and complete and agrees to the terms of the application and related credit documents.

Guarantor Information

ALL INDIVIDUALS WITH A 20% OR MORE DIRECT OR INDIRECT OWNERSHIP INTEREST OF THE APPLICANT MUST COMPLETE AND SIGN THE FOLLOWING SECTION.

Joint Applicant Information

Name of Individual Joint Applicant/Co-Borrower:   Title:   Ownership %:

Street Address:   City:   State:   Zip Code:   Home Phone Number:

Tax ID or SSN:   Date of Birth of Individual:   Driver’s License/State ID #:   State Issued:   Expiration Date:

Individual Email Address:   Gross Personal Annual Income:

Joint Applicant Authorization: I acknowledge intent to apply for joint credit

W-9 Request for Taxpayer Identification Number and Certification

Complete this section only if you are a U.S. citizen or U.S. resident alien. All others please complete an IRS Form W-8.

Federal tax classification (check one):
Individual/Sole Proprietor or single-member LLC C Corporation S Corporation Partnership Trust/estate Other

Limited Liability Company tax classification:

Name (as shown on your tax return):

Business Name/disregarded entity name:

TIN:   Signature:   Date:

Individual with significant responsibility for managing the legal entity:

Name:   Address:   Date of Birth:   SSN:   Ownership %:

ID Type:   ID Number:   State Issued:   Date Issued:   Exp. Date:

Role/Title in Business Applicant:
Sole Owner Managing Member Partner CEO President Vice President Treasurer Other:

Agreement

This section includes the borrower, joint applicant, and guarantor agreements, loan terms, security interest grant, and related disclosures.

Loan Advances authorized individuals:

Term Loan Advances acknowledgement: I acknowledge the term loan advance authorization and direct payment to seller/transferor if applicable.

Adverse Action Notice acknowledgment: I understand the denial notice rights described above.

Dispute Resolution acknowledgment: I understand the dispute resolution terms described above.

Borrower Signatures

Bank Use Only

Line Officer:

Booking Cost Center:

Date Application Received (Reg B Start):

Site Visit Completed: Completed by: Date completed:

Funding Instructions: Deposit to Account # Issue Check Wire (Instructions Attached) Invoice/PO attached

Initial Disbursement at Closing: Yes No   Amount: $