You are the manager of a branch of a state bank located in a medium-sized community. The owner of a small manufacturing company in the community wants to apply for an unsecured line of credit for the upcoming year. The company has been in business for several years but has experienced seasonal cash shortages as it has grown.

1. What are the most useful documents (which is NOT all of them) would you request from the owner to back up the loan request?

2. What would you test (obtain additional information, query) in the documents to ensure that they are realistic?