The initial form is only a request for review, not a credit application. A partner can check credit during its own process. This page lists the records a partner can ask for later, a checklist for a commission-paid office and the steps that follow.
Documents a Kerrville, TX HVAC contractor needs for a business loan
An HVAC or plumbing contractor in Kerrville, TX putting a loan file together is one of 36 plumbing, heating and air-conditioning contractor locations with paid staff that County Business Patterns placed in Kerr County, TX for 2023 (NAICS 238220). An even half, 18 shops, ran with a headcount under five. For a shop that size, the list below is worth knowing before anyone asks for it. None of the records below goes into the request form. They are what a funding partner can ask for once it takes the request into review:
- Business bank statements for the last few months, showing deposits from service calls and installs.
- The most recent business tax return, and the owner's personal return if the business files on it.
- A profit and loss report running from January through last month, even an unaudited one.
- The seller's quote, if the money buys something: a recovery machine, a diagnostic tool, a stock of condensers.
- A list of loans, leases or advances the company still pays on.
- The entity record from the Texas Secretary of State for an LLC or corporation.
Those HVAC and plumbing contractors carried $14 million of annual payroll for 266 employees in the 2023 count, and payroll is one of the lines a partner can read on the bank statements. A partner may ask for more than this list or for less; each one sets its own file.
A business loan application checklist for a Kerr County, TX real estate office
An office paid by commission shows its income differently from a contractor, so its checklist differs too. Before a funding partner asks, a Kerr County, TX real estate office can put these in one folder:
- Government ID for each owner, and the entity record for the office.
- Business bank statements that show commission deposits as they cleared.
- Commission statements or settlement records for the closings of the last year.
- A list of pending closings with expected dates, marked as estimates.
- The latest tax returns, both the office's own and each owner's personal return.
- A short note on what the money pays for: signs and photography, a new agent's desk costs, a lease deposit on a larger space.
The list of pending closings helps the conversation but is not income yet; a partner can treat it as context rather than as a source of payments.
What a Kerrville, TX HVAC contractor needs to apply for a business loan
Records are only half of an application. The other half is the profile a funding partner weighs, and an HVAC contractor can know its own answers before any review starts:
- How long the business has operated under its current owners.
- Annual revenue, as a range, and how steady monthly deposits are.
- Credit history for the business and for each owner who signs.
- Debts already open, from a van loan to a merchant cash advance.
- What the money is for, and whether it buys an asset that can secure the loan.
Funding partners set their own requirements for each of those points, and none of them are fixed on this site. The request form asks for two of them as ranges (time in business and revenue), plus the amount in mind; the rest comes out on the follow-up call. A home builder or a restaurant goes through the same list. A builder's file can show draws and job costs; a restaurant's can show daily card deposits. For scale, the county had 55 residential building construction locations and 113 restaurants and other eating places with paid staff in 2023 (County Business Patterns, NAICS 2361 and 7225).
Steps Kerr County, TX specialty contractors take to apply for a small business loan
- Name the cost and the date: what the money buys, what it costs and when it has to be in place.
- Call (830) 223-0504 or send the request form on this page.
- Talk through the product shape on the follow-up call: a term loan, a credit line, equipment financing or working capital.
- Bellshire passes the request to funding partners that fit it.
- A partner asks for its own records and reviews the business.
- Read any written offer in full, compare the total cost and decide; signing is between the business and the partner.
Each step is described in more detail on the how-it-works page, and the questions page covers credit, partners and what the form does and does not do.
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