What to Prepare Before You Submit a Transaction.

01 · Overview

Before you submit a transaction.

This guide explains what to prepare before submitting a transaction to builderstech.finance, whether you are a principal, borrower, sponsor, or a broker or advisor submitting on a client's behalf. Sections 2–12 describe what applies to nearly every submission, regardless of transaction type; Sections 13–19 are checklists specific to each major transaction category.

Preparing this information in advance does not guarantee eligibility, approval, or any specific outcome. It does make initial review faster and reduces the number of follow-up requests before a transaction can be properly evaluated.

02 · Minimum Initial Submission Requirements

What every submission should include.

At minimum, every initial submission — through the website's transaction form, by phone, or through a broker — should include:

• A clear, factual description of the asset or business
• The requested financing amount
• Current debt, if any, including approximate rate and maturity
• The intended use of proceeds
• A sponsorship / ownership summary
• A realistic desired closing timeline

This matches the "Transaction summary" field on the website's submission form. A submission missing several of these items can still be sent, but should expect a follow-up request before review can proceed meaningfully.

03 · Executive Summary Requirements

Writing a useful summary.

A strong executive summary should answer, in plain language: what is the asset or business; what is the transaction (acquisition, refinance, construction, recapitalization, business purchase); how much financing is requested and for what purpose; who is the sponsor and what is their relevant experience; and why now — is there a specific catalyst such as a maturity, closing deadline, or opportunity window?

Avoid promotional language. A factual, well-organized summary is more useful to underwriting than a persuasive one.

04 · Sponsor or Borrower Background

What's helpful to share.

Helpful to include, to the extent available: the legal name of the sponsoring entity or individual; relevant experience with similar assets, businesses, or transaction types; current ownership of, or experience operating, comparable assets; and a brief statement of financial capacity to support the transaction.

This describes what is helpful to share, not a fixed underwriting requirement — the depth of sponsor background needed varies by transaction size and complexity.

05 · Transaction Structure

Describing the shape of the transaction.

• Transaction type (acquisition, refinance, construction/development, recapitalization, business acquisition, portfolio)
• Asset or business category
• Whether this is a single transaction or part of a larger portfolio (Section 19)
• The intended capital stack, if known — senior debt, mezzanine, preferred equity, sponsor equity

06 · Requested Financing

Stating the request clearly.

State the specific amount requested, and where possible: loan-to-value or loan-to-cost, if calculable; use of proceeds; and whether the request is for the full capital need or one piece of a larger capital stack.

Illustrative rate and term figures published on the website are not commitments — a specific rate or term is not assigned until a transaction is underwritten.

07 · Sources and Uses

Where the money comes from and goes.

For transactions involving construction, acquisition, or a defined project budget, provide a sources-and-uses summary. Uses — acquisition or purchase price, hard construction costs, soft costs, reserves, closing costs, contingency. Sources — requested financing, sponsor equity, other debt or equity, seller financing, grants or incentives, if any.

A simple table is sufficient at the initial stage; a detailed budget is typically requested later in review for construction and development transactions.

08 · Existing Debt

If debt already exists on the transaction.

If the transaction involves existing debt — a refinance, recapitalization, or an acquisition subject to existing financing — include current lender name, outstanding balance, interest rate, maturity date, and payment status. See Section 18 for the full refinancing-specific checklist.

09 · Project Value

How value is represented.

State how value is being represented and, if available, how it was determined: purchase price or current estimated value; as-stabilized or as-completed value for construction or repositioning transactions; and the basis for the value — an appraisal, broker opinion of value, signed purchase agreement, or internal estimate. For business acquisitions, this is the purchase price or agreed enterprise value.

An appraisal or formal valuation is not required at initial submission unless one already exists.

10 · Timeline

Deadlines that shape the process.

State the desired closing timeline and any hard deadlines driving it — a purchase agreement or letter-of-intent deadline, an existing loan maturity date, a lease expiration, or any other external date that constrains the transaction.

Our institutional path is generally estimated at 90–120 days; flexible structures may move on a different timeline. These are estimates, not commitments — sharing your real deadline helps determine which path may be appropriate, but does not guarantee that timeline can be met.

11 · Ownership Structure

Who is behind the transaction.

Describe the ownership and control of the sponsoring entity: entity type (LLC, corporation, partnership, individual); ownership percentages among principals, if more than one; any guarantors expected to be involved; and the sponsor's role and experience with similar assets or transactions.

12 · Financial Information

What supports the numbers.

Depending on transaction type, financial information helpful to initial review includes: historical operating statements or financial statements (typically trailing 2–3 years, where available); current-year interim financials or a pro forma, if the asset or business is not yet stabilized; personal or entity financial statements for guarantors, where applicable; and tax returns, for business acquisitions or where income verification is relevant.

Not every category applies to every transaction — see the transaction-type checklists in Sections 13–19 for what's typically relevant to your specific transaction.

20 · Document Naming Recommendations

Keeping submissions organized.

• Use a consistent pattern, such as [Sponsor or Deal Name]_[Document Type]_[Date], e.g. Maple-Street-Portfolio_RentRoll_2026-06.pdf
• Avoid generic names like Scan001.pdf or Document.pdf
• Group related documents (all financials, all property documents) rather than sending dozens of unlabeled attachments
• Use a widely readable format such as PDF for narrative documents and financial statements where practical

21 · Confidential Information Guidance

Sharing information responsibly.

• Redact or omit truly sensitive identifiers not needed for initial review — for example, full Social Security numbers or complete account numbers — until a direct relationship is established
• Transaction details, sponsor information, and supporting documentation are handled with discretion throughout the evaluation process
• If a transaction involves especially sensitive information, that can be discussed directly before extensive materials are shared
• Sharing information for initial review does not, by itself, create any confidentiality agreement beyond builderstech.finance's standard discretion in handling submissions — a separate non-disclosure agreement can be discussed if warranted

22 · What Happens After Submission

The review process.

Not every submission will result in further review; eligibility depends on the specific transaction, asset class, sponsorship, documentation, and the requirements of available capital programs at the time of review. Review timing varies by transaction complexity and documentation readiness — these are estimates, not commitments.

23 · Disclaimer

Important disclosures.

builderstech.finance is not representing that it is a bank, insured depository institution, or direct lender unless expressly stated in a transaction-specific written agreement. All financing is subject to underwriting, due diligence, capital availability, legal review, and definitive documentation. Rates, terms, timing, and structures referenced in this guide are illustrative or estimated only and are not commitments to lend. No rate, term, approval, eligibility, or closing is guaranteed. This guide is for informational purposes only and is not a securities offering or investment solicitation. Submitting a transaction, or the documentation described in this guide, does not create a commitment to lend, an agency relationship, an exclusivity arrangement, or a compensation obligation.