Annex A

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RETAIL LENDING TO MICRO AND SMALL ENTERPRISES
CHECKLIST OF REQUIREMENTS /
I. GENERAL
o  Letter of Intent
o  Application Form (DBP Form)
o  Customer Record Form (DBP Form)
o  Confidential Information Sheet (DBP Form)
o  Photocopy of 2 valid/unexpired IDs of borrowers (government issued IDs)
o  Business Registration (from DTI/SEC/CDA/DOLE)
o  BIR Certificate of Registration
o  Business Permit (from LGU)
o  Income Tax Returns for the past three (3) years (if applicable)
o  Financial Statements for the latest three (3) years (if applicable)
o  Bank Statement for the last three (3) months (if applicable)
o  Statement of Assets, Liabilities and Networth of Principal Borrower/s (if applicable)
o  Business Plan with projected income statement and cash flow
o  Authority for the Bank to conduct inquiry and provide credit information to/from credit bureaus and other banks/creditors (DBP form)
Additional Requirements for Corporations and Cooperatives:
o  General Information Sheet
o  By-Laws & Articles of Incorporation/Cooperation
o  Board Resolution & Secretary’s Certificate authorizing the loan, indicating the authorized signatories and authorized person to transact the loan
II. ADDITIONAL REQUIREMENTS PER TYPE OF LOAN
FRANCHISE
r  Business Profile of Franchisor
r  Photocopy of Franchise Agreement
r  Endorsement by Franchisor
r  Franchise Package Kit
PURCHASE ORDER (PO)/LETTER OF CREDIT (LC) FINANCING
o  Copy of Irrevocable LC/PO
III. ADDITIONAL REQUIREMENTS (if applicable)
REAL ESTATE COLLATERAL/SECURITY
r  Two Copies of location plan with vicinity map
r  Two copies of TCT/OCT
r  Latest Real Estate Tax Declaration and Tax Receipt
CHATTEL COLLATERAL
r  Affidavit of Ownership & Certification of Non-Encumbrance with specifications
r  Suppliers Quotations complete with technical specifications, for machinery and equipment
r  Contract to Sell, for machinery and equipment to be acquired
r  Copy of OR/CR for transportation equipment
BUILDING TO BE CONSTRUCTED
r  Bill of Materials and Cost Estimates
r  Building Plan and Specifications
r  Building Permit, to be submitted before construction

NOTE: All documents to be submitted should be certified true copies

*Submission of external Credit Rating Report is encouraged.