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Credit Application Form Template – Florida
Use this template to request credit while mapping who can operate the account and how invoices and payments will flow.
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Credit Application Form Template
[Creditor/Lender Name]
[Address]
[Phone] [Email] [Website]
Application Date: [MM/DD/YYYY]
Application Type: [Individual / Joint / Business]
1. Business Profile and Primary Contacts
Business Legal Name: [Business Legal Name]
DBA (if any): [Name]
Entity Type: [LLC/Corp/Sole Prop/Partnership/Nonprofit]
Formation Date: [MM/DD/YYYY]
EIN/Tax ID: [Number]
Primary Address: [Street, City, State/Province, Postal Code, Country]
Primary Contact: [Name, Title, Phone, Email]
Billing Contact: [Name, Title, Phone, Email]
2. Authorized Users and Signing Authority
List authorized users and define their authority levels:
Name | Role/Title | Order Authority | Change Authority | Contact |
[Name 1] | [Title] | [Place orders Y/N] | [Limit/terms changes Y/N] | [Phone/Email] |
[Name 2] | [Title] | [Place orders Y/N] | [Limit/terms changes Y/N] | [Phone/Email] |
[Name 3] | [Title] | [Place orders Y/N] | [Limit/terms changes Y/N] | [Phone/Email] |
3. Applicant Identity (Individual Applicants or Control Person)
Full Legal Name: [First Middle Last]
Date of Birth: [MM/DD/YYYY]
SSN/Tax ID (last 4): [XXXX]
Home Address: [Street, City, State/Province, Postal Code, Country]
Phone: [Number] Email: [Address]
4. Credit Request
Requested Credit Type: [Revolving/Net Terms/Installment/Lease/Other]
Requested Credit Limit/Amount: [Amount]
Requested Terms: [Net 30/APR %/Tenor/Other]
Primary Use: [Working capital/equipment/inventory/other]
5. Banking and Payment Setup
Primary Bank: [Name] Branch: [Location] Account Type: [Checking/Savings/Operating] Account Number (last 4): [XXXX]
Bank Contact: [Name/Phone/Email]
Preferred Payment Method: [ACH/Check/Wire/Portal/Other]
ACH Authorization (optional): [Authorized Y/N] ACH Contact: [Name/Email/Phone]
6. Trade References
Reference 1: [Company, Contact, Phone/Email, Account #, Average Monthly Balance/Terms]
Reference 2: [Company, Contact, Phone/Email, Account #, Average Monthly Balance/Terms]
Reference 3: [Company, Contact, Phone/Email, Account #, Average Monthly Balance/Terms]
7. Financial Information
Annual Revenue (last fiscal year): $[Amount] Current Year YTD Revenue: $[Amount] Employees: [#]
Financial Statements: [Attached Y/N] AR/AP Aging: [Attached Y/N] Existing Debt Summary: [Lender, balance, rate, maturity]
8. Certifications and Consents
The undersigned certifies the information provided is true, correct, and complete and authorizes the creditor to obtain credit reports and to contact banks and trade references for verification for account review, maintenance, or collection.
The applicant authorizes internal and service-provider processing for underwriting, fraud prevention, and account servicing consistent with applicable law.
The applicant agrees to notify the creditor of any material changes to the information provided.
9. Terms and Conditions Acknowledgment
Account Terms Delivery: [Link/Email/Printed Copy]
Applicant acknowledges receipt or availability of the account terms and agrees to be bound upon acceptance of credit.
10. Personal Guaranty (If Required)
Guarantor Name: [Full Name] Home Address: [Address] SSN/Tax ID (last 4): [XXXX]
Signature: __________________________ Date: __________
11. Attachments Checklist
Business Documents: [Formation documents, ownership list, financials, AR/AP aging, tax returns (if requested), other]
Identity Documents (if requested): [Government ID, proof of address, other]
12. Signatures
Business Applicant Authorized Signer: [Full Name] Title: [Title]
Signature: __________________________ Date: __________
Account Operations Signer (optional): [Full Name] Title: [Title]
Signature: __________________________ Date: __________
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Learn more about
Credit Application Form Template – Florida
Click below for detailed info on the template.
For quick answers, scroll below to see the FAQ.
Click below for detailed info on the template.
For quick answers, scroll below to see the FAQ.
Florida Credit Application Form Template FAQ
Why does this version include an authorized user authority table?
Many credit accounts are used operationally by more than one person, and misunderstandings about authority can lead to disputes or unauthorized activity. The table format lets you define who can place orders, who can request changes to limits or terms, and who should be contacted for account issues. That clarity can improve onboarding and reduce billing friction after approval. For organizations with separate procurement and finance teams, the table also helps align internal controls with how the creditor will process requests and communications.
What should you list as the primary use of credit on a business application?
The primary use should describe how the credit will support business operations, such as inventory purchases, recurring supplier orders, short-term working capital, or equipment needs. A clear use statement helps a creditor understand whether the requested limit aligns with your purchasing cycle and cash flow. If your credit needs are seasonal, you can reflect that by referencing the timing and expected spend. Consistent use statements across your application and supporting documents can also reduce follow-up questions about why a particular limit or term length is being requested.
How do trade references influence net terms decisions?
Trade references show how you perform under supplier-style credit arrangements, including whether you pay on time and what typical balances look like. Strong references are recent, reachable, and able to confirm the terms and history of your account. If you are requesting Net 30 or Net 60, references that already reflect those terms can support your request more effectively than references that only reflect cash-on-delivery relationships. If a reference cannot be reached, the creditor may treat it as nonresponsive and request additional verification.
What does payment setup change after approval?
Payment setup affects how invoices are delivered and how quickly payments can be posted to the account. Choosing a preferred method — such as ACH, portal payment, or check — helps the creditor configure your account correctly from day one. If your organization uses a dedicated billing inbox or requires purchase orders, stating that early reduces onboarding friction. Payment setup can also affect internal workflow, so aligning the application with your accounts payable process can reduce late fees that occur simply because invoices were routed incorrectly.
When should the creditor ask for a personal guaranty?
Whether a guaranty is required depends on the creditor’s risk policy and the applicant’s profile. Newer businesses, higher requested limits, and limited trade history can increase the likelihood that a guaranty is requested. The guaranty section is separated so it can be completed only if required rather than forcing every applicant into the same structure. If a guaranty is used, it is important that the guarantor details match the signer and that the obligation is clearly tied to the account terms being offered.
How should you handle requested identity documents and proof of address?
If identity documents are requested, provide only what is needed and use secure delivery methods. Many applicants share documents through a secure portal or a restricted-access folder rather than sending sensitive files broadly by email. If the form only requires last-four digits, avoid sending full identification numbers unless specifically requested. Keeping files labeled and tied to the relevant application section can also speed review. Clean document handling supports privacy and reduces the risk of unnecessary exposure of sensitive personal data.
What is the most common reason an application is delayed after submission?
Delays commonly occur due to missing reference contact details, inconsistent financial numbers, or unclear authority about who can sign and bind the applicant. Another frequent issue is outdated phone numbers or generic inboxes that go unanswered during verification. To reduce delays, ensure every reference entry includes a reachable contact and that revenue or income figures match your supporting documents. It also helps to identify a single point of contact who can respond quickly to underwriting questions and coordinate any additional materials requested.
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