There is no universal invoice-data packet for a loan application. What a lender asks for depends on the credit product, any collateral, and its underwriting process. For receivables-backed financing, expect invoices to be considered alongside evidence that goods or services were delivered, how old the receivables are, who owes the money, and any returns or other adjustments. Before sending anything, ask the lender to confirm the records and file format it needs, then use a verified, protected submission route.
What invoice information might a lender request?
For accounts-receivable financing, invoices may help a lender assess the receivables offered as collateral. FDIC examination materials describe practices that can include reviewing invoice copies and supporting records; they are examples, not a mandatory checklist for every lender.
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Invoices and evidence of delivery
The lender may ask for copies of invoices together with shipping documents or delivery receipts. These records can help connect a billed amount to goods shipped or services delivered. The precise documents depend on the transaction and the lender’s process.
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An accounts-receivable aging report groups unpaid invoices by how long they have been outstanding. A lender may also ask for information about customer concentrations—that is, how much of the receivables are owed by particular customers. Both can help it assess the receivables in the borrowing base. FDIC guidance on asset-based lending discusses these types of review.
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Returns and other billing adjustments
Returns, allowances, and other reductions to gross billings can affect the amount ultimately collectible. A lender may therefore request records showing those adjustments, rather than relying only on invoice totals. A 2012 Federal Register rule passage also describes related collateral and borrowing-base information in a particular regulatory context; it is not a universal borrower checklist.
What else could be part of a borrowing-base package?
In some working-capital or asset-based facilities, the request may extend beyond invoices and receivables. Depending on the facility, a lender may ask for:
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- Accounts-payable aging
- Inventory detail
- Loan activity
- Covenant-compliance certificates
These items are context-dependent examples, not requirements for every loan. Ask your lender for its current checklist, the reporting period it wants, and its accepted file formats before preparing or transmitting records.
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Why a lender can ask—and why the request still varies
Under Regulation B, a creditor generally may request information in connection with a credit transaction, subject to exceptions and other applicable legal limits. The rule does not mean every field is necessary for every loan, nor does it establish a standard invoice packet. The CFPB’s Regulation B, 12 CFR § 1002.5 includes limits relating to privacy, privileged information, credit reporting, and other matters. If a request is unclear or seems broader than the stated purpose, ask the lender which records are required and how they will be used.
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How to share invoice records safely
- Verify the request and recipient. Confirm the lender, the person or team receiving the files, the requested records, and the approved submission route using contact details you already know are genuine.
- Use a confirmed channel. Prefer the lender’s authenticated portal or another method the lender has specifically confirmed. Do not treat a third-party data authorization as a blanket requirement for ordinary invoice uploads.
- Check third-party data permissions when they apply. For covered financial-data access under Regulation 1033, review the authorization disclosure for the third party’s and data provider’s identities, the data categories, stated purpose, duration, and revocation method. The rule has a defined scope; it does not govern every invoice transfer. See the CFPB’s Regulation 1033.
- Protect the files and account. Encrypt sensitive files sent outside your business, limit access to people who need the records, and secure the portal account with a strong, unique password and multi-factor authentication. These measures are consistent with the FTC’s business guidance on protecting sensitive information.
- Confirm unexpected changes independently. Do not follow an unexpected email link or accept a sudden change to upload or payment instructions without checking. Visit the lender’s website independently and call a number you already know is correct. The FTC’s phishing guidance explains why unsolicited links and messages warrant caution.
- Send only what is requested. Avoid adding unrelated customer, employee, or banking data. The right minimum set of invoice fields depends on the lender’s stated purpose and request; confirm it rather than guessing.
Compare the available submission options
If the lender offers more than one route, compare them on practical protections rather than convenience alone:
- Has the lender confirmed the channel?
- Does it require authenticated access and support multi-factor authentication?
- Is the transfer encrypted?
- Can access be limited to the intended recipients?
- If third-party data authorization applies, can you review its scope and revoke it as described?
A hardware security key may be an optional second factor if the lender’s portal supports it. It helps protect account access; it does not encrypt the files or replace verification of the recipient and transfer route. The FTC describes security keys as one form of two-factor authentication in its online-account security guidance.
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Does the small-business lending rule set an invoice checklist?
No. The CFPB’s small-business lending resources page says a final rule published May 1, 2026 extended the compliance date for portions of the small-business lending rule to January 1, 2028, and says related implementation materials would be updated later. That rule concerns lender data collection and reporting; it does not define a universal packet of borrower invoices. Check the CFPB’s small-business lending resources for current implementation information.
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