Collect the loan agreement, security documents, disbursement records and evidence of the assets securing the debt. Identify guarantees and any later amendments, then connect the proceeds to their business use.
Make the collateral analysis reviewable
A funding table should distinguish personal borrowing from enterprise-secured financing and explain the amount claimed as investment. Bank statements alone rarely reveal those terms. Include repayment obligations in the business forecast and retain documents for other contributions.
Where security covers both personal and business assets, do not assume the funds qualify; flag the arrangement for specific review before finalizing the capital schedule. Collect the complete lending file rather than the facility letter, since the terms that matter are usually in the documents nobody circulates. That means the loan or facility agreement with all schedules, every security instrument and what each charges, any personal guarantee and its extent, any intercreditor or subordination arrangement, and the lender's conditions precedent.
Add the drawdown records and the account activity showing the funds arriving and being applied. Then produce a short diagram showing who owes what to whom and what secures each obligation, since the relationships are easier to assess visually than in prose. Make the collateral analysis reviewable by someone who has not read the underlying documents, and be prepared for that person to reach a different conclusion from the one the borrower assumed.