🏦 Mastering the Art of Packaging Deals for Lender Approval 💼

📑 The Ultimate Guide to Getting Your Loan Approved: Deal Packaging Secrets Revealed 🔍

📝 How to Package a Deal for Lender Approval

When it comes to securing financing for real estate or business ventures, presentation is everything. Lenders don’t just approve deals—they approve well-prepared packages that clearly demonstrate risk mitigation, repayment ability, and borrower credibility. Whether you’re submitting a loan for a multifamily property, a retail center, or an SBA 7(a) loan, here’s how to properly package your deal for lender approval.

1️⃣ Start with a Clear Executive Summary

Your executive summary should read like the highlight reel of your deal. Include:

·Property/Business Overview: Describe the asset or business purpose clearly.

·Loan Request: Specify amount, term, and purpose (acquisition, refinance, construction, etc.).

·Borrower Snapshot: Experience, credit strength, and liquidity details.
A lender should understand the entire deal in under 60 seconds.

2️⃣ Include a Full Financial Story

Financials are the backbone of any approval. Organize:

·P&L Statements, Balance Sheets, and Tax Returns (2 years minimum)

·Rent Rolls and Leases (for real estate deals)

·Debt Schedule and Cash Flow Analysis

·Bank Statements for liquidity verification

Show consistency. Red flags—like missing documents or mismatched numbers—slow approvals.

3️⃣ Showcase Collateral and Appraisal Readiness

If the deal involves real estate, include:

·Purchase Agreement or Refinance Summary

·Photos, Survey, and Environmental Reports

·Comparable Sales (if available)
This helps underwriters quickly assess the collateral value and risk position.

4️⃣ Strengthen with Supporting Docs

A solid package includes:

·Borrower’s Resume or REO Schedule (for investors)

·Business Plan or Projections (for SBA or startup loans)

·Guarantor Information
The goal is to make the underwriter’s job easy—anticipate every question before they ask it.

5️⃣ Work with a Mortgage Broker Who Knows the Lenders

Every lender has unique underwriting preferences. At Medallion Funds, we match your loan with over 600+ lenders, ensuring your package is tailored for approval. Whether it’s SBA, DSCR, bridge, or non-recourse, we know what each lender wants—and how to make your deal shine.

Final Tip

Think of your deal package as your first impression. A clean, organized presentation isn’t just professional—it builds trust and speeds up approvals. Remember, lenders fund clarity and confidence, not chaos and confusion.

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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory