What the package contains
Entity and identity
- Certificate of formation and EIN letter
- Government identification for every beneficial owner above the disclosure threshold
- Ownership structure, stated plainly
Financial
- Three to six months of business bank statements
- Prior processing statements if you have them, including from an account that was closed
- Projected monthly volume and average ticket, with the reasoning behind the numbers
Operational
- Supplier documentation showing where product comes from
- Fulfillment process and carrier, with evidence that shipments are tracked
- Refund, return and cancellation policy
- Chargeback handling process
Compliance
- The live website, read end to end
- Product labeling
- Buyer attestation flow, if you operate one
- Certificates of analysis, or the policy describing how testing works
The four things that sink files
- The site contradicts the application. The form says research supply; a product page explains a weekly protocol. Underwriters read the site, and this is the most common single cause of decline in the category.
- Undisclosed history. A prior closure or MATCH listing that surfaces after submission. Underwriters find it regardless, and disclosure is the difference between a hard conversation and a dead file.
- Projections that do not match the statements. Claiming volume the bank statements do not support reads as either inexperience or misrepresentation.
- No fulfillment evidence. Untracked shipping means every dispute is unwinnable, and underwriters price that.
Sequence that works
Fix the website first, assemble the documents second, apply third. A file submitted before the site
is clean gets declined, and a decline is now part of your history.
What we do with it
We review the site against what an underwriter will read, tell you what will trip, and make the introduction once the file is coherent. We do not submit on your behalf and we do not describe your product as something it is not. The application is yours, the entity on the account is yours, and the category is coded for what you actually sell.