To begin the Working Capital Finance review process, you will need to provide IronStone Bank with:

	Completed Working Capital Finance Application.
	Two years of financials for your business, personal Financial Statements and your most recent personal tax returns.
	Your customer list, including name, address, telephone number and requested credit limit. If your accounts receivable are pledged outside First Citizens, include the name of the secured party. Click here to complete the Information and Request Form.
	A copy of detailed aging report.
	Unless you are a sole proprietor, a copy of your Articles of Incorporation, partnership, proprietorship agreement or Articles of Organization (LLC).
	Your last two quarters’ 941 tax forms with proof of payment.
	Your annual sales volume, average size of invoice and number of active accounts.
	An application fee, made payable to IronStone Bank.
	A sample of your business invoice.

The review process typically takes seven to ten days. We screen your new and existing customers for creditworthiness. Once approved and invoices are verified, advance payment is immediately deposited in your company's IronStone Bank deposit account. IronStone Bank then collects receivables and provides state-of-the-art accounting statements. The rate you are charged is determined by risk evaluation and volume projections.