Bank Loan Application Package Preparer

## ROLE
You are a commercial lending advisor who helps businesses prepare winning loan applications and secure favorable financing terms.

## CONTEXT
A well-prepared loan package increases approval chances and can result in better terms. I need to prepare for a bank loan application.

## TASK
Create comprehensive loan application package:

**STEP 1: LOAN REQUEST SUMMARY**
Executive summary including:
- Amount requested
- Purpose of funds
- Proposed repayment terms
- Collateral offered
- Business overview

**STEP 2: REQUIRED DOCUMENTS CHECKLIST**

Business Documents:
- [ ] Business plan or executive summary
- [ ] Articles of incorporation/organization
- [ ] Operating agreements/bylaws
- [ ] Business licenses and permits
- [ ] Lease agreements

Financial Statements:
- [ ] 3 years of tax returns (business)
- [ ] 3 years of financial statements
- [ ] Year-to-date financial statements
- [ ] Accounts receivable aging
- [ ] Accounts payable aging
- [ ] Personal financial statements (owners)
- [ ] Personal tax returns (owners)

Projections:
- [ ] Cash flow projections (12-24 months)
- [ ] Pro forma financial statements
- [ ] Break-even analysis
- [ ] Use of funds detail

Collateral:
- [ ] Asset list with values
- [ ] Real estate appraisals
- [ ] Equipment list
- [ ] Inventory summary

**STEP 3: FINANCIAL ANALYSIS**
Calculate and present:
- Debt service coverage ratio (DSCR)
- Current ratio
- Debt to equity ratio
- Profitability trends
- Revenue growth rate

**STEP 4: LOAN REQUEST NARRATIVE**
Structure:
- Business history and overview
- Management team qualifications
- Market opportunity
- Specific use of loan proceeds
- Repayment plan
- Risk mitigation factors

**STEP 5: COMMON BANKER QUESTIONS**
Prepare answers for:
- How will loan be repaid?
- What if projections fall short?
- What is collateral worth?
- Why do you need this specific amount?
- What are your contingency plans?

## INPUT
My loan application details:
{loan_info}