1. Borrower Information

• ☐ Completed loan application form
• ☐ Government-issued ID (passport, driver’s license)
• ☐ Personal credit report (if not pulled by lender)
• ☐ Proof of income (e.g., payslips or tax returns for past 2 years)
• ☐ Personal bank statements (past 3–6 months)
• ☐ Net worth statement / list of assets & liabilities

2. Entity (if using a company or trust)

• ☐ Business registration documents
• ☐ Corporate financial statements (past 2 years)
• ☐ List of shareholders/directors with ID copies
• ☐ Company bank statements (past 3–6 months)
• ☐ Board resolution approving loan (if required)
• ☐ UBO (ultimate beneficial owner) declaration

3. Project Documentation

• ☐ Proof of land ownership (title deed, land purchase agreement)
• ☐ Land valuation report (if already owned)
• ☐ Full architectural drawings and blueprints
• ☐ Planning and zoning approvals
• ☐ Building permit (or submission proof)
• ☐ Environmental approvals (if applicable)
• ☐ Construction schedule (Gantt chart or milestones)
• ☐ Detailed construction cost breakdown (bill of quantities)

4. Contractor and Builder Documents

• ☐ Executed construction contract (fixed-price or cost-plus)
• ☐ Contractor’s license and registration
• ☐ Contractor’s insurance and bonding (if required)
• ☐ Contractor’s track record / past projects list
• ☐ Project manager or site supervisor resume (if any)

5. Financial Structure

• ☐ Project cost summary (land + construction + soft costs + contingency)
• ☐ Equity proof (e.g., proof of available cash, land equity value)
• ☐ Requested loan amount and terms
• ☐ Proof of income (e.g., payslips or tax returns for past 2 years)
• ☐ Source of funds for equity portion
• ☐ Interest reserve calculation (if applicable)
• ☐ Exit strategy (refinance, sale, long-term hold)

6. Supporting Documents for Lender

• ☐ Appraisal of “as-completed” value (usually ordered by lender)
• ☐ Draw schedule aligned with construction phases
• ☐ Construction risk insurance (builder’s risk policy)
• ☐ Evidence of contingency reserve (typically 5%–10%)
• ☐ Title insurance or legal due diligence report
• ☐ Legal opinion (if required by lender)

7. Post-Approval / Pre-Draw Requirements

• ☐ Loan agreement executed
• ☐ Mortgage deed or debenture signed
• ☐ Personal credit report (if not pulled by lender)
• ☐ Escrow account or trust account setup
• ☐ First draw request documents
• ☐ Site readiness confirmation
• ☐ Inspection report (baseline)