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Application document kit

Everything underwriting asks for, what each document proves, and the version that gets accepted the first time.

Applying soon: You are about to apply. Score your readiness, then close the document gaps.

Short answer

A complete application file is entity documents, ownership identification, a bank account in the entity name, recent processing statements if you have them, the site URL with policies live, a product catalogue, and a fulfilment description. Each item exists to answer one question about who you are, what you sell, and how money moves — send the version that answers it clearly.

7 min read · updated August 2, 2026

What does underwriting actually ask for?

Every requested document answers one of three questions: who are you, what do you sell, and how does money move. When you know which question a document answers, it is obvious which version to send.

Who are you

Identity documents establish that the applying business exists and that you can speak for it.

  • Entity formation documents and current standing.
  • Tax identification.
  • Government identification for each disclosed owner.
  • Ownership breakdown with percentages.
  • Proof of business address.

What do you sell

These documents let a reviewer confirm your catalog matches your description without guessing.

  • The live site URL, with policies published.
  • A product catalog or SKU list.
  • Any licences or registrations that support a regulated pathway.
  • Supplier documentation, where the product is sourced rather than made.

How money moves

This is where files most often stall, usually over a name mismatch rather than a number.

  • A voided cheque or bank letter in the exact entity name.
  • Recent consecutive processing statements, if you have history.
  • A short written explanation of any dispute spikes.
  • Your fulfilment description: supplier, storage, carrier, timing.
  • The billing descriptor you intend to use.

Which version gets accepted first time?

Send complete documents, not screenshots. Every page of a multi-page document, in one file, readable, and named so a human can tell what it is without opening it. A statement missing its summary page will come back; so will a bank letter that abbreviates the entity name.

  • Full pages, not crops.
  • Consistent entity name across every document.
  • Dates recent enough to be current.
  • File names that describe the contents.

What if you are brand new with no history?

Missing statements are normal for a new business and do not disqualify you. What replaces them is a stronger showing on the other two questions: a complete site, published policies, a documented fulfilment chain, and projections you can defend if asked how you arrived at them.

Key takeaways

  • Each document answers one of three questions — send the version that answers it clearly.
  • Name mismatches stall more files than any number on a statement.
  • Full readable pages, no crops, no screenshots.
  • No processing history is survivable if the site and fulfilment file are complete.

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A document-by-document kit with acceptance notes.

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FAQ

Questions people ask about this

How many months of statements should I send?
Send the most recent consecutive months you have. Consistency matters more than depth — a gap in the middle invites more questions than a shorter history.
Should I disclose a previous termination?
Yes, with context on what changed. Prior terminations are discoverable, and non-disclosure ends applications that the original event would not have.
Can I apply before the site is finished?
You can, but the review will score what is visible. An unfinished site is read as an unfinished business.

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