Get Started

Guide to Getting Started, for Start-Up Businesses and New Businesses

GCL is your commercial lending partner from beginning to end. Get help with your Start-Up Business needs using these great resources.

Small business owner man on tablet looking at his business plan
Small town storefronts in rural Nevada
Small business owner opening her shop in the morning

Documents Needed for First-Time Businesses

There is much preparation that needs to go in to procuring a commercial loan. While each lending institution differs in what they require, the documents listed below are normal requirements to have in-hand prior to sending in an application.

Business Plan

Each business plan is different, but most include the following:

  • Personal Background
  • Professional Resume
  • Business History
  • Projections (see next window>>)


You’ll need to have sales projection and loan allocation projection documents before securing a commercial loan.

Local Small Business Development Centers (SBDCs), usually located at your nearest college or university, offer assistance in developing business plans and projections for your small business, in addition to other consulting services.

Tax Returns

Tax Returns for the most recent 3 years are required for commercial loan applications. Returns from all Guarantors with ownership greater than 20% are necessary documentation for the application process.

Legal Documents

The requirements for legal documents for each loan will be different, but here are a few you may need:

  • Business license
  • Third-party contracts
  • Commercial real estate and business equipment leases

Financial Statements

Personal financial statements are required from all business guarantors who own greater than 20% of the company. These statements include:

  • Income Statement
  • Balance sheet
  • Cash flow

What Type of Commercial Loan Do You Need?

Greater Commercial Lending (GCL) builds long-lasting partnerships with businesses that help communities thrive. We deliver capital and trusted guidance to diverse businesses, just like yours, in communities across America.

Our expertise and established reputation as a nationwide lender to a wide range of businesses in an array of industries across the U.S. enables you to access the USDA and SBA lending solutions you and your community needs to live greater.

SBA Loans

Establish, expand or grow your business with Small Business Administration (SBA) loans perfectly suited to your needs.

Loan Less Than $50,000

From commercial checking and savings accounts, to business online banking, cash management, merchant services and more, Greater Nevada has your commercial banking needs covered. 

Commercial Loans

From working capital to equipment financing and commercial real estate, Greater Commercial Lending will help you secure the right type of commercial business loan.

USDA Loans

Whether you’re a business proprietor, nonprofit leader, or farm/ranch owner, there’s a USDA business loan program for you.