Self-employed? A bank statement loan qualifies you on the deposits into your accounts — not the write-off-shrunk number on your tax return.
If you're self-employed, you know the paradox: the same write-offs that lower your tax bill also shrink the income a traditional lender sees. A perfectly successful business owner can look, on paper, like they barely qualify.
A bank statement loan fixes that. Instead of tax returns, we review 12 to 24 months of your bank deposits to estimate your real, ongoing income. It's built for business owners, contractors, and freelancers whose returns don't tell the whole story.
Your business is doing better than your tax return admits. A bank statement loan is how a lender finally sees it.
We estimate your income from 12–24 months of bank statements instead of tax returns.
Skip the schedules and write-off math that make self-employed income look artificially small.
Depending on the program, we can use personal accounts, business accounts, or a blend.
Finance a primary home, second home, or investment based on the income you actually earn.
Sole proprietors, LLCs, S-corps, and 1099 contractors all fit — each read the right way.
A specialized program, priced for the strong self-employed borrowers it's designed to serve.
General guidelines — not hard cutoffs. The best way to know where you stand is a quick, no-pressure conversation.
We total the qualifying deposits over the statement period and apply an expense factor to estimate your net income. Business accounts are often adjusted to account for overhead. The exact method depends on the program and your account type.
It depends on the program and where your income lands. Some use personal accounts, some business, and some allow a blend. Keeping business and personal banking separate makes the analysis much cleaner.
Because bank statement loans don't use traditional income documentation, they can carry different rate and down-payment requirements than conventional financing. For many self-employed buyers, qualifying on their true income is well worth it.
Generally proof of self-employment (like a business license or CPA letter), consistent statements with no gaps, and clarity on which account your income flows into. We'll give you an exact checklist.
Tell us about your business and how your deposits flow, and a loan officer will map out a bank statement path built around what you actually earn.
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