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Getting Started — 0/6

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Bank Documentation Guide

Everything You Need to Open Business Banking for ThinkMakes

Complete checklist and preparation guide for meeting with banks

🏦 What You're Applying For

Immediate (Easy)

✅ Business Checking
✅ Business Savings
✅ Debit Card

After 6-12 Months

⏳ Business Credit Card
⏳ Small Line of Credit

After 2+ Years

🎯 Business Term Loans
🎯 Equipment Financing
🎯 SBA Loans

📋 Essential Documents Checklist

Business Formation Documents

Proves your business legally exists

Articles of Incorporation (if LLC/Corporation)

EIN (Employer Identification Number) from IRS

Business License or DBA (Doing Business As)

Operating Agreement or Bylaws

Business Registration Certificate

Personal Identification

Verifies your identity and creditworthiness

Government-issued Photo ID (Driver's License or Passport)

Social Security Number or ITIN

Proof of Address (utility bill, lease agreement)

Personal Financial Statement (for business loans)

Personal Tax Returns (last 2 years for loans)

Business Financial Documents

Shows your financial health and stability

Business Tax Returns (if established business)

Profit & Loss Statement

Balance Sheet

Cash Flow Projections (next 12-24 months)

Bank Statements (business and personal)

Revenue Documentation (invoices, contracts, sales records)

Business Plan & Model

Explains what your business does and how it makes money

Executive Summary (1-2 pages)

Detailed Business Plan

Revenue Model Explanation

Market Analysis & Competition

Growth Strategy

Use of Funds Statement

🎓 ThinkMakes-Specific Documentation

Partnership Agreements

Sample School Partnership Contracts

List of Current School Partners

Revenue Per School (Monthly/Annual)

Student Enrollment Numbers

Testimonials from Partner Schools

Partnership Pipeline (schools in negotiation)

Platform Metrics

Total Registered Users

Active Projects on Platform

Transaction Volume (monthly/annual)

Platform Revenue Breakdown

User Growth Rate

Retention Statistics

Technology Assets

Platform Technology Stack Overview

Intellectual Property Documentation

Patent Applications (if any)

Software Licensing Agreements

Security & Compliance Certifications

FERPA/COPPA Compliance Documentation

💼 Your ThinkMakes Pitch to Banks

What to say when banks ask "What does your business do?"

Elevator Pitch (30 seconds)

"ThinkMakes is an innovation platform where students and creators build real projects, file patents, and launch businesses. We partner with schools to provide hands-on entrepreneurship education, and we monetize through transaction fees, school licensing, and a built-in trading exchange for innovation assets."

Revenue Streams

School Partnerships

$2-$500/month per school for platform access

Potential: $6M annually (with 1,000 schools)

Trading Commissions

0.5% fee on all stock trades of innovation assets

Potential: $5M annually (at scale)

Marketplace Fees

5% commission on idea sales + 1% social impact donation

Potential: $3M annually (with volume)

Banking Services

Integrated banking with debit cards, bill pay, transfers

Potential: $2M annually (from interchange fees)

Patent & Legal Services

White-label legal services for patent filing

Potential: $1M annually

Market Size

K-12 education market: $721 billion. EdTech market: $181 billion globally. Innovation/patent market: $40+ billion.

Competitive Advantage

No direct competitor combines education + marketplace + banking + innovation exchange. We're creating a new category.

Current Traction

500+ school partnerships, 50,000+ users, $12M in student earnings processed (example metrics)

🏦 Banking Products & Requirements

Easy

Business Checking Account

Requirements:

• Low documentation
• Can open immediately

Benefits:

✓ Accept payments
✓ Pay bills
✓ Debit card
✓ No credit check

Easy

Business Savings Account

Requirements:

• Checking account first
• Minimum deposit varies

Benefits:

✓ Earn interest
✓ Emergency fund
✓ Separate funds

Moderate

Business Credit Card

Requirements:

• 1+ year in business (usually)
• Good personal credit
• Business revenue proof

Benefits:

✓ Build business credit
✓ Cash back/rewards
✓ Separate business expenses

Moderate

Line of Credit

Requirements:

• Strong credit
• 2+ years in business
• Solid revenue

Benefits:

✓ Flexible borrowing
✓ Only pay interest on what you use
✓ Cash flow management

Hard

Business Term Loan

Requirements:

• Comprehensive business plan
• Strong financials
• Collateral may be required

Benefits:

✓ Large capital amount
✓ Fixed payments
✓ Expansion funding

🎯 Bank Meeting Tips

Best practices for a successful meeting

Schedule in Advance

Call ahead and ask for a business banking specialist. Schedule 45-60 minutes.

Bring Everything Organized

Use folders or binders. Label everything clearly. Bring digital copies on USB/laptop too.

Know Your Numbers

Be ready to answer: monthly revenue, monthly expenses, profit margin, growth rate.

Dress Professionally

First impressions matter. Business casual at minimum.

Be Honest & Realistic

Banks appreciate honesty. Don't exaggerate numbers or make unrealistic promises.

Ask Questions

What are fees? Minimum balances? How long for approval? What additional docs might you need?

✅ Next Steps

Gather all documents from the checklist above

Call 3-5 banks and schedule meetings with business banking specialists

Practice your elevator pitch out loud (seriously, do this!)

Organize everything in folders/binders by category

Show up confident - you're building something real and valuable!

Pro tip: Print this page and check items off as you gather them