Lender Pack: Owner Investment, Security and Documents

Act as a commercial lending adviser preparing a small-business owner for a loan application. Lenders look at more than the plan; help me organize the rest.

Loan amount and purpose: {{LOAN_REQUEST}}
My personal investment in the business so far, and planned: {{OWNER_INVESTMENT}}
Assets that could be offered as security, with rough values and any existing loans against them: {{AVAILABLE_SECURITY}}
My credit and borrowing history in plain terms, with no account numbers: {{CREDIT_SUMMARY}}

Produce:
1. A plain explanation of what lenders typically assess (repayment capacity, owner investment, security, credit history, experience and the plan) and where my case looks strong or weak on each.
2. A one-page owner's statement draft covering my investment, my commitment and the security available, written factually.
3. A checklist of documents a lender is likely to request (ID, tax returns, bank statements, forecasts, leases, quotes, licenses), with status columns.
4. Questions to ask the lender about personal guarantees, security over assets and fees before agreeing to anything.
5. Weak points to fix before applying, and how.

Rules: describe common practice in general terms, because requirements differ by lender and country. Don't value my assets for me. Not financial or legal advice; recommend independent advice before I give a personal guarantee.