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Magnara Global
MAGNARA GLOBAL
Personal & Business Funding
Reference—
Bank-Grade Encryption
Section 01 of 09 · Personal Identity

Personal identity

Guarantor · Legal Name · Date of Birth · SSN

14%
Legal Identity
Required
Must be 18–100 years of age
Required
AES-256 EncryptedStored encrypted at rest — visible to authorized reviewers only.
Valid email required
Required
Residential Address
Street, city, state, ZIP
Required
Employment · Income · Banking
$
$
Personal + business combined
Qualification Benchmark
  • 680–720+ FICO preferred across all three bureaus
  • Minimum 3–4 active tradelines in good standing
  • No recent major derogatories (BK, judgment, foreclosure)
Personal Documents
Identity · Credit · Banking · Tax

Government-Issued ID Required

Driver's License or Passport · PDF/JPG/PNG

Utility Bill (Address Verification)

Recent · Within 60 days · PDF/JPG/PNG

Experian 3-Bureau Credit Report

Full tri-merge preferred · PDF only

Personal Bank Statements

Last 2–3 months · Multiple OK · PDF

Personal Tax Returns

Last 2–3 years · Multiple OK · PDF

Pay Stubs / W-2s (if applicable)

Most recent · Multiple OK · PDF/JPG/PNG

Business Profile
Entity · Revenue · Structure
Business Information
Required
AES-256 EncryptedStored encrypted at rest — visible to authorized reviewers only.
Revenue & Performance
$
$
$
Business Documents
Formation · Banking · Financials · Tax

Articles of Organization / Incorporation

Formation documents · PDF

EIN Confirmation Letter

IRS CP-575 or 147C · PDF/JPG/PNG

Certificate of Good Standing

From state of formation · PDF

Business Bank Statements

Last 3–6 months · Multiple OK · PDF

Business Tax Returns

Last 2–3 years · Multiple OK · PDF

YTD Financials (P&L + Balance Sheet)

Current year-to-date · PDF or Excel

Business Debt Schedule

All outstanding obligations · PDF or Excel

AR / AP Aging Reports

Receivables & payables · PDF or Excel

Funding Request
Amount · Structure · Timeline · Purpose
$
Required
Required
Review Snapshot
Timeline & Process

Initial underwriting feedback is typically returned within 24–72 business hours of receipt of documentation. A senior member of the Magnara desk will contact you to review next steps.

Personal Financial Statement
Enter balances as of today. All values are confidential and used solely for underwriting.
Assets
$
$
$
$
$
$
$
Liabilities
$
$
$
$
$
$
Total Assets$0
Total Liabilities$0
Net Worth$0
Liquidity Ratio—
Income Profile — annual
$
$
$
Preliminary Capital Estimate
Generated from the information you've provided. This estimate is a non-binding indication of facility size and pricing range our desk typically places for comparable profiles.
Indicative Facility Range

Your profile maps to the following capital band

$— – $—
Based on your declared revenue, EBITDA, collateral profile, and transaction structure. Firm terms will be issued after full underwriting, credit pull, and documentation review.
Indicative Rate
—
Typical Term
—
Likelihood Score
—
Soft Pre-Approval · No Hard Credit Pull

This is a soft pre-approval indication only — a preliminary assessment based on the information you provided. It is not a binding pre-approval, loan commitment, or offer of credit. No hard credit inquiry has been initiated. The indicated range reflects typical pricing for business lines of credit and term loans at comparable revenue/credit profiles. Final terms are subject to full underwriting, bank-statement review, hard credit pull, tax-return verification, and applicable lender guidelines.

Experian Credit Access
Required for All Applications — To pull your tri-bureau credit report, please provide your Experian.com login credentials. Your information is submitted securely and used solely for credit review purposes.
Required
Required
4 digits required
Required
1 / 9
✓

Intake Received

MG-XXXXXXXX

Your combined personal & business funding intake has been securely transmitted to the Magnara underwriting desk.

  • A confirmation email is on its way to the address you provided.
  • A senior member of our team will reach out within 24–72 business hours.
  • You may resume this file at any time using your reference token above.
Personal & business funding

Common questions

What is the difference between a business line of credit and a term loan?

A business line of credit is revolving capital you can draw, repay, and redraw — interest accrues only on outstanding balances. A term loan is a one-time capital advance with a fixed repayment schedule (commonly 12–84 months). Lines of credit suit working-capital fluctuations; term loans suit defined uses such as equipment, expansion, or refinancing.

Can I combine personal and business funding in one underwriting?

Yes. Magnara's stacked underwriting framework reviews personal and business credit profiles together, then routes the combined application to lender partners that specialize in dual-track approval. This typically increases aggregate available capital versus pursuing each track separately.

What term lengths are available?

Business term loans typically range from 12 to 84 months, with structure depending on use of proceeds, time in business, and collateral profile. Lines of credit are usually issued on annual review cycles with renewable draw periods.

Is there a minimum time-in-business requirement?

Most lender partners require at least 6–24 months of operating history for business-side approval. Personal-side underwriting can proceed independently for newer businesses or pre-revenue applicants. Specific minimums vary by lender and product.

How fast is funding?

Lines of credit and short-term facilities can fund within 3–10 business days of full documentation submission. Larger term loans involving collateral verification typically take 14–30 business days.