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Self-Employed? We Make Qualifying Easy
Easy Bank Statement Loans
Tired of being turned away because you don’t fit into a traditional lending box? Our Bank Statement Loan Program was built specifically for self-employed individuals, freelancers, and business owners who don’t report income the “conventional” way. With this program, you can qualify using just your bank statements — no tax returns, W-2s, or P&Ls required. Loan amounts go up to $4 million, and we allow up to 90% LTV, making it one of the most powerful solutions for entrepreneurial buyers.
FAQs
How do I qualify if I don’t have W-2s or tax returns?
You’ll use 12 or 24 months of personal or business bank statements to demonstrate your income. We can qualify you based on deposits instead of tax filings.
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What types of properties are eligible?
All occupancy types are allowed — including primary residences, second homes, and investment properties.
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Do I need a profit & loss statement?
No. P&L statements are not required for this program.
Denied for a Loan Because of Your Taxes? You’re Not Alone
Many business owners earn great money but don’t show it clearly on paper due to tax deductions or inconsistent filings. Unfortunately, traditional lenders rely heavily on tax returns — leaving self-employed borrowers stuck, even when they have strong bank activity. That’s where this program shines.
With up to 85% of gross business deposits counted as qualifying income, and no tax returns needed, we make it simple for you to get approved based on your real cash flow — not outdated paperwork.
Why Entrepreneurs Love Bank Statement Loans
This program offers flexibility, speed, and high LTV financing that traditional banks simply can’t match. Whether you're buying a new home, refinancing, or cashing out equity, we’ll base approval on what’s actually in your bank — not just what’s on a tax form.
With interest-only options, no P&L requirement, and loans up to $4 million, it’s the preferred choice for self-starters, solopreneurs, and growing businesses who are ready to own without compromise.