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How To Apply For A Loan

It can not be stressed enough about the importance of a clear and concise submission of a loan. Frequently loans take much longer to underwrite and approve simply because the underwriter does not understand the dynamics of the transaction. Omission of simple documents such as a ratified purchase agreement or corporate tax returns and profit loss statements will grind underwriting to a halt. Documents that are not current such as Personal Financial Statements (PFS) or corporate balance sheets will have the same effect.

The first thing that should be prepared is an Executive Summary of the transaction. Make a concise one or two page explanation stating exactly what you are seeking to do with this loan so that the underwriter will have minimal questions regarding the purpose of the loan. State important issues such as if you are purchasing real estate, business enterprise only or a building purchase with a ground lease.

State in an Estimated Use Of Proceeds form all monies related to the transaction, i.e. purchase amount, working capital, construction amount, equipment costs, etc. You can find this form here: (pdf) (Word)

You can also conveniently apply online through our online application page or you can also download our Loan Questionnaire here.

In order to pre-qualify loans faster, we have found that providing a certain amount of information up front helps us expedite the underwriting of a loan. If a borrower can provide us with the following information, it would help us a great deal. You can click the underlined links and find the form on the PetroMAC website. 


PetroMAC Loan Questionnaire
Personal Financial Statement
Copy Of Credit Report (Or Authorization)
Previous Years Financials
Current Years Financials
Last Three Years Fuel Gallonage (Monthly)

Assemble all necessary documents for the loan, i.e. financials, resumes, contracts. Please refer to our Document Checklist as a general outline. You can find this form here: (pdf) (Word)

Many loans take a few weeks to underwrite and approve, but expect this process to take significantly longer in the absence of necessary documentation. Remember, the borrower has more control in the speed of the approval than the underwriter in many cases.  Leave no questions unanswered.

Keep in mind these are general guidelines for a submission. The process that an operator will go throuhg may be different than the process for a dealer or a jobber. However, the above mentioned facts will apply for all loans. Your PetroMAC representative will provide further details about proper submission.


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