Getting business funding through Flintshore Financial runs in four steps: describe the expense, narrow the funding types, let a partner review the request, and decide on any offer. This page explains each step and what a partner looks for in bank statements, tax returns and the request itself.
Four Steps From Phone Call to Decision
- Describe the expense: phone (575) 242-8764 or send the request form with three ranges.
- Narrow the types: we talk through the expense and timing and name the funding types that fit.
- Partner review: a funding partner reviews the request and names the records it wants.
- Your decision: any offer comes from the partner; you read it and accept or decline.
What Do Lenders Look for in Your Bank Statements? A Clovis, NM Answer
A partner opens bank statements first to see the real path of money through the business. A partner reads:
- Average monthly deposits, and whether they are steady or uneven.
- The ending balance each month, and how low it falls.
- Overdrafts and returned items.
- Existing loan or advance payments leaving the account.
- Large one-off deposits that may not repeat.
Keep business and personal accounts separate; mixed accounts make the business's cash flow harder to read.
What Do Lenders Look for When Applying for a Business Loan? How It Plays Out in Clovis, NM
When reviewing a business loan request, a partner looks at five things: what the money is for, whether cash flow covers the new payment, how long the business has operated, the owners' credit, and any collateral. The weight on each depends on the funding type. Equipment financing leans on the machine; a working capital loan leans on deposits; a term loan reads all five.
Curry County, NM had 1,018 employer establishments in 2023 (County Business Patterns) and 2,261 businesses without paid employees in 2024 (Nonemployer Statistics); both kinds can send a request, and a partner reads each on its own records.
What Do Lenders Look for on Tax Returns? Notes for Clovis, NM Owners
Tax returns show reported revenue, expenses, profit and the owners' share. A partner compares the return with bank deposits; a large difference raises questions. It also reads depreciation and interest, which it may add back when measuring cash flow, and checks for tax owed to the IRS or the state.
- Business return: Schedule C, Form 1065, 1120 or 1120-S, depending on the entity.
- Personal returns for owners above a share the partner sets.
- Year-to-date profit and loss if the last return is many months old.
How Do Business Loans Work? A Plain Answer for Curry County, NM Businesses
Business loans work like any loan: a partner provides money now, and the business pays it back with interest on a schedule. The differences are in the details: the term, whether payments are fixed or tied to a draw, what secures the loan, and whether owners sign a personal guarantee. Read the six funding types on the comparison page.
What Do Lenders Look for When Applying for a Loan? Notes for Clovis, NM Owners
Applying for any loan, business or personal, means a lender checks ability to pay, history of paying and what backs the loan. For a business request, a partner also reads the business's own records. The difference matters for a new business: if the business has little history, the owners' records carry more weight.
Other questions are answered on the FAQ page.
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