Which documents are required for a company loan application?

A company loan application file consists of three groups: documents showing who the company is and who has signing authority, statements showing its financial position, and a plan explaining how the loan will be repaid. Because the requirements vary by institution and loan type, ask for the up-to-date checklist in writing at the start of the discussion. The order below ensures that most of your file is already prepared when the checklist arrives.

Documents identifying the company and authorised signatories

Identity and representation documents show who the applicant company is and who is authorised to sign on its behalf. For limited liability and joint-stock companies, the following documents are typically requested:

Copies of the Ticaret Sicil Gazetesi showing incorporation and the latest amendments.
The current version of the articles of association.
Signature circular of authorised signatories.
Identity details of representatives and shareholders.
Chamber registration certificate.
For joint-stock companies, the list of attendees of the general assembly, if requested.

If there has been a change in company name, registered address, shareholding structure or authorised signatory, complete the registration before applying. If outdated information appears in any document in the file, the review will be prolonged with follow-up questions.

Company documents showing your financial position

Financial documents show what the company earns, how much debt it carries, and how this picture has changed over the years. The number of years required varies by institution, so keep the last few periods together.

Your year-end financial statements for recent periods.
Up-to-date figures for the current year.
Company records supporting your official financial accounts. Clarify with your accountant which ones are needed once you receive the checklist.
A breakdown of your existing loans, credit limits and cheque commitments.
A list of receivables from major customers and upcoming payment liabilities.

Consistency across documents is just as important as having each one complete. The turnover in your financial statements must reconcile with your invoices, and your debt breakdown with your credit records.

A plan showing how the loan will be repaid

The repayment plan is a straightforward month-by-month schedule showing which revenue will cover the new instalment. Its format may vary by institution, but the content answers the same question: once this instalment is added on top of existing obligations, how much cash does the company have left?

Expected month-by-month collections.
Regular expenses such as salaries, rent and supplier payments.
Instalments on existing debt.
The estimated instalment of the requested loan.
Remaining cash at the end of each month.

State your request in a single sentence at the top of the plan: how much, for what purpose, and over what term. If you are applying for a loan to purchase machinery or vehicles, include the vendor's quotation as well.

If providing collateral or a guarantor

If you are offering collateral, documents proving ownership and the value of the asset must be added to the file. For real estate, title deed records; for vehicles and machinery, registration documents or invoices; and for receivables, invoices and contracts are prepared. A valuation is typically conducted for real estate. Identity details of any shareholder or director acting as guarantor are also requested at this stage.

Final check before submitting the file

The purpose of the final check is to ensure that the same information appears consistently across every document. Five questions will catch most discrepancies:

Are the company name, address, shareholders and authorised signatories identical across all documents?
Does the signature circular show the person who will sign the contract, and is their authority still valid?
Does the turnover in the financial statements reconcile with your invoices?
Is the instalment in the repayment plan aligned with the agreed amount and term?
Has any credit limit been overlooked in the debt breakdown?

While you prepare the file, the Firmaskor Credit Score uses your company documents to show within minutes where you stand on solvency, debt burden, profitability and resilience. You know your weak heading before the meeting.