Offer-Ready Checklist

What lenders actually ask for — get this together before you need it, and pre-approvals move faster.

General guidance — every lender's exact list varies. Confirm with your own lender.

0 of 8 ready

CV / professional history

Education, licensure, work history — most lenders want this upfront.

Personal financial statement

Assets, liabilities, net worth — standard SBA lender form.

Production history

Your own clinical production if you're a practicing associate/dentist already.

3 years of personal tax returns

Lenders typically want the most recent 3 years.

Credit review

Know your score and clear up any surprises before a lender pulls it.

Down payment funds sourced

Be ready to show where the down payment is coming from.

Practice entity set up (or a plan to)

Many buyers form an entity to hold the practice — talk to your CPA/attorney about timing.

Letters of reference

Some lenders ask for professional references — good to have ready.

This checklist is a general guide, not a guarantee of approval or a substitute for your lender's actual requirements.