What does your loan policy consider a current F/S for your loan customers? We consider a F/S current if it is within 12 months from the date of the transaction. You can't give your EO preferential treatment. IOWs if you require your loan customers to have a F/S dated within 6 mos of the transaction, then your EO's F/S should be dated within 6 months.
The opinions expressed are mine and they are not to be taken as legal advice.