What documents or information do I need before applying?

To apply for a Novo account, here's what we'll need from you: Personal Information Valid government-issued photo ID (US driver's license, state ID, or passport) Social Security number (SSN) US address US cell phone number (from a major carrier) Business Information Employer Identification Number (EIN) – required for most business types [link to: What business types can apply for an account FAQ] Business registration documents (such as Articles of Organization for LLCs or Articles of Incorporation for corporations) Details about your business activity and expected cash flow If your business has any co-owners who own 25% or more of the business, you also need to provide their personal details and a photo of their ID.