‹Return to Portfolio Selector
Magnara Global
MAGNARA GLOBAL
Personal & Business Funding
Reference—
Bank-Grade Encryption
Section 01 of 09 · Personal Identity

Personal identity

Guarantor · Legal Name · Date of Birth · SSN

14%
Legal Identity
Required
Must be 18–100 years of age
Required
AES-256 EncryptedStored encrypted at rest — visible to authorized reviewers only.
Valid email required
Required
Required
Residential Address
Street, city, state, ZIP
Required
Required
$
Required
Required
Employment · Income · Banking
$
$
Personal + business combined
Qualification Benchmark
  • 680–720+ FICO preferred across all three bureaus
  • Minimum 3–4 active tradelines in good standing
  • No recent major derogatories (BK, judgment, foreclosure)
Personal Documents
Identity · Credit · Banking · Tax

Government-Issued ID — Front & Back Required

Driver's License (front and back) or Passport · PDF/JPG/PNG

This document is required.

Social Security Card — Front & Back Required

Front and back images · PDF/JPG/PNG · Stored securely, reviewer access only

This document is required.

Utility Bill (Address Verification) Required

Most recent · Within 60 days · PDF/JPG/PNG

This document is required.

Credit Report — All 3 Bureaus Required

Download your own report from Experian (or a tri-merge report) and upload the PDF. We never ask for your credit-bureau login credentials.

This document is required.

Personal Tax Returns — Last 3 Years Required

Most recent 3 years · Multiple OK · PDF

This document is required.

Personal Bank Statements

Last 2–3 months · Multiple OK · PDF

Pay Stubs / W-2s (if applicable)

Most recent · Multiple OK · PDF/JPG/PNG

Business Profile
Entity · Revenue · Structure
Business Information
Required
AES-256 EncryptedStored encrypted at rest — visible to authorized reviewers only.
Required
Required
Required
Percent of the business you own
Required
Revenue & Performance
$
$
$
Business Credit Cards

List every business credit card currently in place across your businesses. This ensures no duplicate applications are made and shows which promotions are running or about to expire.

Required
Business Documents
Formation · Banking · Financials · Tax

Certificate of Incorporation / Articles of Organization Required

Formation documents · PDF

This document is required.

EIN Letter or Certified SS-4 Required

IRS CP-575, 147C, or certified SS-4 · PDF/JPG/PNG

This document is required.

Certificate of Good Standing Required

From state of formation · PDF

This document is required.

Operating Agreement Required

Current operating agreement · PDF

This document is required.

Voided Check Required

From the main operating account · PDF/JPG/PNG

This document is required.

Business Bank Statements — Last 6 Months Required

Main operating account · Multiple OK · PDF

This document is required.

Business Tax Returns — Last 3 Years Required

Complete with all schedules · Multiple OK · PDF

This document is required.

P&L Statements — Last 2 Years + YTD Required

Two full years plus year-to-date · PDF or Excel · Multiple OK

This document is required.

Balance Sheet & Debt Schedule — Last 2 Years + YTD Required

Balance sheets and all outstanding obligations · PDF or Excel · Multiple OK

This document is required.

A/R & A/P — Last 2 Years + Current Aging Required

Receivables & payables with current aging report · PDF or Excel · Multiple OK

This document is required.

Owner's Statement Required

A brief statement from the business owner about the industry and the company's financial needs.

Required

Optionally attach a signed written statement instead of (or in addition to) the text above.

Funding Request
Amount · Structure · Timeline · Purpose
$
Required
Required
Required
Review Snapshot
Timeline & Process

Initial underwriting feedback is typically returned within 24–72 business hours of receipt of documentation. A senior member of the Magnara desk will contact you to review next steps.

Personal Financial Statement
Enter balances as of today. All values are confidential and used solely for underwriting.
Assets
$
$
$
$
$
$
$
Liabilities
$
$
$
$
$
$
Total Assets$0
Total Liabilities$0
Net Worth$0
Liquidity Ratio—
Income Profile — annual
$
$
$
Preliminary Capital Estimate
Generated from the information you've provided. This estimate is a non-binding indication of facility size and pricing range our desk typically places for comparable profiles.
Indicative Facility Range

Your profile maps to the following capital band

$— – $—
Based on your declared revenue, EBITDA, collateral profile, and transaction structure. Firm terms will be issued after full underwriting, credit pull, and documentation review.
Indicative Rate
—
Typical Term
—
Likelihood Score
—
Soft Pre-Approval · No Hard Credit Pull

This is a soft pre-approval indication only — a preliminary assessment based on the information you provided. It is not a binding pre-approval, loan commitment, or offer of credit. No hard credit inquiry has been initiated. The indicated range reflects typical pricing for business lines of credit and term loans at comparable revenue/credit profiles. Final terms are subject to full underwriting, bank-statement review, hard credit pull, tax-return verification, and applicable lender guidelines.

Credit Review & Authorization
Credit review is performed from the tri-bureau credit report you uploaded in Personal Documents. We never ask for — and will never accept — your credit-bureau login credentials, passwords, or PINs.
After Your Application Is Reviewed

Following initial review, our desk will return two documents for signature: a Personal Financial Statement (prepared from Section 07) and a Business Debt Schedule. A senior member of the desk will walk you through both before anything is signed.

1 / 9
✓

Intake Received

MG-XXXXXXXX

Your combined personal & business funding intake has been securely transmitted to the Magnara underwriting desk.

  • A confirmation email is on its way to the address you provided.
  • A senior member of our team will reach out within 24–72 business hours.
  • You may resume this file at any time using your reference token above.
Personal & business funding

Common questions

What is the difference between a business line of credit and a term loan?

A business line of credit is revolving capital you can draw, repay, and redraw — interest accrues only on outstanding balances. A term loan is a one-time capital advance with a fixed repayment schedule (commonly 12–84 months). Lines of credit suit working-capital fluctuations; term loans suit defined uses such as equipment, expansion, or refinancing.

Can I combine personal and business funding in one underwriting?

Yes. Magnara's stacked underwriting framework reviews personal and business credit profiles together, then routes the combined application to lender partners that specialize in dual-track approval. This typically increases aggregate available capital versus pursuing each track separately.

What term lengths are available?

Business term loans typically range from 12 to 84 months, with structure depending on use of proceeds, time in business, and collateral profile. Lines of credit are usually issued on annual review cycles with renewable draw periods.

Is there a minimum time-in-business requirement?

Most lender partners require at least 6–24 months of operating history for business-side approval. Personal-side underwriting can proceed independently for newer businesses or pre-revenue applicants. Specific minimums vary by lender and product.

How fast is funding?

Lines of credit and short-term facilities can fund within 3–10 business days of full documentation submission. Larger term loans involving collateral verification typically take 14–30 business days.