It must identify the lender, the amount, the terms, and what secures the debt, and it must establish that the investor is personally and primarily liable. Where the lender is a private individual or company, the lender's own funds may also need explaining.
Security is the fact that matters most
The important distinction is what stands behind the loan. Borrowing secured against the investor's own unrelated assets, with the investor personally liable, is generally consistent with the capital being the investor's own funds placed at risk. Borrowing secured by the assets of the new commercial enterprise itself is treated differently, and a structure that leaves the enterprise carrying the debt undermines the position. So read the security documents, not the summary. Include the registered charge, the repayment schedule, evidence that payments are being made from the investor's own resources, and a statement of the investor's other assets showing capacity to repay. A loan from a family member is not automatically a problem, but it converts the lender's finances into part of the evidentiary chain, which is worth knowing before choosing that route.
Hypothetical example: A wine importer plans to use retained business earnings but has moved funds through a holding company and two personal accounts. The first review should create an evidence index that names each account, date, amount, sender, recipient, and supporting record. Corporate financial statements and tax filings settle the business earnings; bank statements and transfer confirmations settle the movement; formation documents settle who owned the company. Avoid unexplained round-number deposits or summary spreadsheets with no source records behind them. The documents must establish both lawful origin and the path into capital at risk. Include project documents that explain the commercial enterprise and the proposed job-creation method.