Story deal checklist

What is a story deal?

A story deal is also called story credit. It is a file where the score looks bad. But there is a clear reason. Maybe a medical bill. Maybe a divorce. Maybe one slow year. The reviewer needs that reason in writing. They also need proof that things are better now.

Example

A tree service owner had late payments after a back injury. He is back to work. His bank deposits are steady for a year. He has two city contracts. That is a story worth sending.

Checklist

• A short note from the owner, in their own words.
• When the credit problem happened and how it got fixed.
• Recent business bank statements. Collected only in the secure Hub flow.
• Current customers or signed job contracts.
• How much money down the buyer can show.
• Machine details. Year, hours, serial number, and price.

Common mistakes

• A story that does not match the bank statements.
• Leaving out open liens or court judgments. A lien is a lender legal claim on property.
• Sending papers by text or plain email.

Good to know

A good story does not mean a yes. It means the file can be read fairly. The funding firm makes every choice.