Forms in library
13
818 Capital Partners
THE RELATIONSHIP BEHIND THE CAPITAL
110 Wall Street, New York, NY 10005 · 818capitalpartners.com
Principal
Ravi Punn
(917) 993-9194
ravi@818capitalpartners.com
Borrower Document Library · Rev 2026.05
Borrower forms.
The complete document library for an 818 Capital Partners credit relationship — application through servicing. Each form is browser-fillable: type directly into the fields, then print to PDF (Cmd-P / Ctrl-P) or save the page. Use the long-form PFS and full Loan Application for new sponsor relationships; use the short forms for repeat borrowers and small-balance facilities.
Required at app
5
Required at close
6
Lifecycle / servicing
2
A
Application Package
Required for every new credit request.
Loan Application
Single intake covering DSCR, Bridge, Fix-and-Flip, and Multifamily / Commercial Bridge requests. Captures sponsor, entity, subject property, sources & uses, rent / DSCR, and rehab plan.
When: Submitted with every new request, before pricing.
Personal Financial Statement
Long-form individual balance sheet. Required for every guarantor with ≥ 20% ownership. Includes annual income, contingent liabilities, and disclosure questions.
When: New sponsors and any facility > $2M.
Personal Financial Statement — Short Form
One-page balance sheet for repeat sponsors and small-balance requests. Compact assets / liabilities, contingent debt schedule, and disclosure questions.
When: Repeat borrowers, facilities ≤ $2M.
Schedule of Real Estate Owned
Personal real estate (on PFS), realized flip experience (off-balance-sheet track record), and active pipeline. Drives portfolio underwriting and liquidity stress.
When: Required alongside the PFS for any sponsor with investment real estate.
Credit Authorization
FCRA-compliant authorization for consumer and business credit pulls, mortgage references, employment verification, and IRS Form 4506-C tax-transcript requests.
When: One per individual guarantor, executed at application.
B
Closing Package
Executed at or before funding.
Business Purpose & NOO Certification
Establishes the loan as exempt from TILA, RESPA, and HOEPA consumer-loan rules. Certifies non-owner-occupied use, business purpose, sponsor experience, and SPE status.
Why: Without this, an investor loan can be re-characterized as a consumer loan in litigation.
Beneficial Ownership Certification
Captures every individual with ≥ 25% ownership or substantial control of the borrowing entity, plus OFAC and politically-exposed-person screening and source-of-funds disclosure.
Why: FinCEN Customer Due Diligence Rule and the Corporate Transparency Act.
New
Rehab Budget & Draw Schedule
Hard-cost line items by trade, soft-cost reserve, contingency, and the milestone-based draw plan. Draws disbursed after third-party inspection with 10% holdback.
When: Every Fix-and-Flip and value-add Bridge facility.
New
Insurance Requirements
Coverage minimums by line (hazard, loss-of-rents, GL, flood, builders risk, wind, earthquake), AM Best rating floor, deductible caps, and the verbatim mortgagee endorsement clause.
When: Sent to broker on term-sheet acceptance; evidence of coverage required 5 days before close.
New
ACH Authorization & Banking
Authorizes auto-debit of monthly debt service from the operating account, validates the wire-receipt account for funding, and includes the wire-fraud warning every borrower needs to read.
When: Executed at close; voided check attached.
New
Closing Checklist
Single-page tracker of every item required to fund, with deadline (T-21 through T-0), owner (borrower / lender / title / insurance), and status. The shared source of truth from term-sheet acceptance through wire.
When: Sent on term-sheet acceptance; updated weekly.
C
Compliance & Servicing
Disclosure at close, then for the life of the loan.
New
Privacy Notice
Federal model-form layout under Gramm-Leach-Bliley and Regulation P. Discloses what NPI 818 collects, how we share, and what cannot be limited. Delivered at relationship inception and annually thereafter.
Why: Federal requirement when collecting NPI from individual guarantors.
New
Servicing Welcome Letter
Post-close reference card. Loan terms, payment mechanics, wire instructions, payoff & extension procedures, insurance-change protocol, and direct contacts for servicing, payoffs, and the relationship desk.
When: Sent within 5 business days of funding.