please clarify the following for me.
Abc corp is the borrower and John Doe is the co-applicant.. . we need to get John Doe's intent for joint credit, right?

Don't you normally require some type of application when an individual applies for a loan - co-applicant or not?

I'll assume that ABC Corp is the borrower and that the bank want the principal (John Doe) to sign as a guarantor. If that's true, I don't believe the "evidence" rule applies as John Doe is not volunteering as an applicant.