Charitable Gift Financing

CGF Loan Application

Please fill out all required fields to expedite the processing of your application. Your answers are saved on this device as you type, so you can leave and finish later. Everything you enter is transmitted over an encrypted connection and stored encrypted; when the application is complete, it is prepared for electronic signature.

Your answers save automatically on this device as you type.

Who is applying?

Are you applying individually, or jointly with your spouse or a co-applicant?
A joint application MUST be signed by BOTH applicants. We will need each applicant’s own email address for the signing step.

Applicant

Encrypted before it is stored; staff screens show only the last four digits. Your full number prints on the completed application sent for signature.
The signing request is sent to this address.
Unmarried includes single, divorced, widowed, civil union, domestic partnership, registered reciprocal beneficiary relationship.

Co-applicant

The co-applicant reviews and signs the completed application too. Their own email address is required so the signing request reaches them directly — a shared address can cause legal problems later.

Must be the co-applicant’s OWN address — their signing request is sent here.

Current address

Housing

Former address

Have you lived at your current address for 2 years or more?

Mailing address

Mailing address

Your employment

Are you the business owner or self-employed?
Are you employed by a public charitable organization or private foundation?

Gross monthly income

Monthly figures. Leave blank anything that does not apply — the parts you fill in are totalled for you on our side.

Co-applicant employment

Employment history

If you have been with your current employer for less than 2 years, list previous employment so the record covers at least the last 2 years.

No.Employer or BusinessNamePositionor TitleStart DateMM/DD/YYEnd DateMM/DD/YYGross MonthlyIncomeOwner / Self-Employed Y/NRemove
1
T O T A L$0.00

Income from other sources

No.IncomeSourceDetailOptionalAnnualIncomeRemove
1
T O T A L$0.00

Tax returns

Lenders verify income against filed returns, so this saves a round-trip later.

Please upload your most recent 2 years of personal tax returnsPDF copies of the full returns as filed.
    PDF or photos, up to 10 MB each, 4 files at most. Files are attached when you submit — they are not kept in the browser draft.
    Required when fewer than 2 tax returns are attached.

    Accounts and assets

    One line per account. Use the button under the table to add as many as you need — there is no limit.

    Include bank, brokerage, retirement and trust accounts, and the cash value of any life insurance. Approximate values are fine, but say what date they are as of.

    No.InstitutionBank, broker or insurerAccountTypeHeldByLast 4DigitsCash or MarketValueValue as ofMM/DD/YYNotesAnything we should knowRemove
    1
    T O T A L$0.00
    Columns marked * are needed for every account you list, and at least 1 must be completed. Leave rows you do not need completely blank.

    What to include

    • Every account you would want counted towards the application.
    • Retirement accounts, even where the funds are not readily available.
    • The cash value of life insurance, not the death benefit.

    Values

    • Approximate figures are fine at this stage.
    • Give the date each value is as of, so we are comparing like with like.
    • The total updates as you type.

    Privacy sensitive. Only the last four digits of an account number are asked for — please do not enter a full account number.

    Other assets and credits

    No.Asset or CreditTypeDetailOptionalCash or MarketValueRemove
    1
    T O T A L$0.00

    Account statements

    Upload recent statements for the accounts listed aboveOptional, but statements for the accounts you listed speed up verification considerably.
      PDF or photos, up to 10 MB each, 10 files at most. Files are attached when you submit — they are not kept in the browser draft.

      Liabilities

      Credit cards, other debts and leases you owe — except real estate, which has its own section. If you have none, just say so below.

      Do you have any liabilities to list?
      No.AccountTypeCompanyNameLast 4DigitsUnpaidBalanceMonthlyPaymentDeferredY/NRemove
      1
      T O T A L$0.00
      Columns marked * are needed for every liability you list, and at least 1 must be completed. Leave rows you do not need completely blank.

      What to include

      • All liabilities except real estate loans — those go in the Real estate section.
      • Include deferred payments, marked in the last column.

      Privacy sensitive. Only the last four digits of an account number are asked for — please do not enter a full account number.

      Other liabilities and expenses

      No.ExpenseTypeDetailOptionalMonthlyPaymentRemove
      1
      T O T A L$0.00

      Real estate you own

      Do you own any real estate?

      List your primary residence first. Add a line per property — there is no limit — and list every mortgage or loan on those properties in the second table.

      No.StreetAddressCity State PropertyValueOccupancy Monthly Ins., Taxes,Assoc. Dues etc.Monthly RentalIncome (investment)Remove
      1
      T O T A L$0.00
      Columns marked * are needed for every property you list, and at least 1 must be completed. Leave rows you do not need completely blank.
      No.PropertyStreet addressCreditorNameLast 4DigitsTypeFHA, VA…UnpaidBalanceMonthly MortgagePaymentCredit Limitif applicableRemove
      1
      T O T A L$0.00

      Your current giving

      Roughly what you give in a typical year, by kind. Leave blank what does not apply.

      Are you or your spouse directly involved with any charitable organizations?

      Existing charitable gift financing

      No.LenderNameLoan Amount /Drawn AmountCollateralTypeCollateralAmountCredit Limitif applicableRemove
      1
      T O T A L$0.00

      New charitable gift financing

      Interests and inspirations

      About the loan

      1.Will you be using the proceeds of the loan for donation purposes only?
      1a.Have you ever financed charitable gifts before?
      2.Would you consider financing your charitable gift again?
      3.Are you borrowing any money for this transaction from another party?

      About your finances

      1.Are you a guarantor, co-signer or endorser on any debt or loan for another individual, corporation or partnership?
      2.Do you have any outstanding letters of credit or surety bonds?
      3.Are you contingently liable for any lease or contract?
      4.Are you delinquent on any tax obligations that may be past due?
      5.Have you been a debtor in a voluntary or involuntary bankruptcy or insolvency proceeding?
      6.Are there any outstanding judgments against you?
      7.Have you been in default or given relief by a lender under the terms of any loan or other obligations?
      8.Are you a party to a lawsuit in which you potentially have any personal financial liability?
      9.Have you been or currently are in default under the terms of any charitable gift financing?
      10.Have you been or currently are under investigation by any governmental agency or audited by the IRS?
      11.Have you been arrested or convicted of any crime?
      12.Are you expecting any significant inheritance?
      13.Do you have a "will" or a "living trust"?

      Acknowledgments, Representations and Agreements

      Please read before submitting — by signing this application you agree to the following.

      Definitions:

      • “Lender” includes the Lender’s agents, service providers, and any of their successors and assigns.
      • “Other Loan Participants” includes (i) any actual or potential owners of a loan resulting from this application (the “Loan”), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any financing insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties’ service providers, successors or assigns.

      I agree to, acknowledge, and represent the following:

      (1) The Complete Information for this Application

      • The information I have provided in this application is true, accurate, and complete as of the date I signed this application.
      • If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented charitable gift financing questionnaire.
      • I have not entered into any other agreement, written or oral, in connection with this charitable gift financing transaction.
      • The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan.
      • Any intentional or negligent misrepresentation of information may result in declination of the application.

      (2) The Loan Collateral
      The Loan I have applied for in this application will be secured by a permanent life insurance contract which provides the Lender a security interest in said life insurance death benefit outright.

      (3) Electronic Records and Signatures

      • The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.
      • If this application is created as (or converted into) an “electronic application”, I consent to the use of “electronic records” and “electronic signatures” as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws.
      • I intend to sign and have signed this application either using my: (a) electronic signature; or (b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature.
      • I agree that the application, if delivered or transmitted to the Lender or Other Loan Participants as an electronic record with my electronic signature, will be as effective and enforceable as a paper application signed by me in writing.

      (6) Authorization for Use and Sharing of Information
      By signing below, in addition to the representations and agreements made above, I expressly authorize the Lender and Other Loan Participants to obtain, use, and share with each other (i) the loan application and related loan information and documentations, and (ii) my tax return information, as necessary to perform the actions listed below, for so long as they have an interest in my loan or its servicing: (a) process and underwrite my loan; (b) verify any data contained in my loan application and other information supporting my loan application; (c) inform about credit and investment decisions by the Lender and Other Loan Participants; (d) perform audit, quality control, and legal compliance analysis and reviews; (e) perform analysis and modeling for charitable giving assessments; (f) monitor the account for this loan collateral delinquencies and determine any assistance that may be available to me; and (g) other actions permissible under applicable law.

      Review & submit

      Optional. Assets held elsewhere, pending sales, or anything that affects the figures above.
      I have read the Acknowledgments, Representations and Agreements above, and the information in this application is true, accurate, and complete to the best of my knowledge. I understand this application will be sent for electronic signature.

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