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Required Business Documentation for Credit Cards
When completing your application, you will be asked to indicate the credit limit you are requesting. Actual limits will be determined during our credit review based on your business financial condition, revenues and credit history.
- Businesses with gross annual revenues of $1 million or less are eligible for credit limits up to $20,000.
- Businesses with gross annual revenues greater than $1 million may request higher limits.
- All applicants must provide entity documentation and other verification documentation as required.
Requirements for Credit Limit Requests >$20,000
| Financial Documents Required for Business |
|---|
| 1. Two (2) Most Recent Years’ Business Tax Returns |
| 2. Current Business Debt Schedule, including the following information: Lender, Collateral, Maturity Date, Interest Rate, Payment Amount, Payment Frequency (monthly, semi-annual, annual, etc.) |
| 3. Credit Limits $50,000 or greater require personal tax returns from business owners with 25% ownership interest or greater. |
| Financial Documents Required for Individuals / Sole Proprietorships |
|---|
| 1. Two (2) Most Recent Years’ Business Tax Returns |
| 2. Current personal financial statement (including debt service) |
Requirements on all Business Applications
| Entity Type | Required Documentation for Credit |
|---|---|
| Sole Proprietorship | Business License (if applicable) DBA (Doing Business As) Certificate (if applicable) |
| General Partnership (GP) | Partnership Agreement Business License (if applicable) |
| Limited Partnership | Certificate of Limited Partnership (filed with state) Limited Partnership Agreement |
| Limited Liability Partnership (LLP) | Statement of Registration or Qualification (filed with state) LLP Agreement |
| Limited Liability Company (LLC) | Articles of Organization (filed with state) Operating Agreement |
| Corporation (C-Corp or S-Corp) | Articles of Incorporation (filed with state) |
| Nonprofit Organization | Articles of Incorporation (filed with state) IRS 501(c)(3) determination letter (if applicable) Bylaws Board resolution authorizing credit |
OVCB Required Business Docs (Rev 12/2025)