In my experience, Citi is pretty strict about the documentation they require. Not everyone is asked for it, but if you are, you have to give them what they want.

I've never been asked for documentation from Chase, but their analysts ask lots of questions about the business when I call the reconsideration line to get approved. But I do get approved.

I've noticed that Chase likes to see a long business history - even if you don't have much revenue.