If you can get a copy of an old bank statement to prove time in business, that will work for us. A contact person at the bank is very helpful. Some banks will not release information over the phone. I would advise you to have your customer call the bank and speak to his contact person to authorize them to release information to us over the phone. Getting the last name of the contact person is helpful.
Some banks have a central phone number.
If you can not get the direct phone number of the branch your customer deals with, put the branch location on the application. We also ask for the appx. This will determine if you need to get prior banking information. Credit references are normally suppliers of product, other leasing or rental obligations, or a landlord reference. Personalcredit cards are not necessary, because these will appear on the personal credit bureau report.