Qualify With Your Bank Statements — Not Your Tax Returns
Self-employed investors and business owners can qualify using 12–24 months of bank deposits. No W-2s. No tax returns. Just real cash flow.
Bank Statement Loans for Self-Employed Borrowers
If you're self-employed, your tax returns likely understate your actual income due to deductions and write-offs. Bank statement loans solve this by qualifying you on your actual cash deposits — giving a true picture of your income and buying power.
"Your deposits tell the real story. We listen."
No tax returns. No W-2s. Just 12–24 months of bank statements showing your actual cash flow.
Why Bank Statement Loans Work
No Tax Returns
Qualify using 12 or 24 months of personal or business bank statements.
Self-Employed Friendly
Designed for business owners, freelancers, contractors, and real estate investors.
Primary & Investment Properties
Available for primary residences, second homes, and investment properties.
High Loan Amounts
Loan amounts up to $5M+ for qualified borrowers.
Competitive Rates
Rates competitive with other non-QM programs — often better than hard money alternatives.
Business or Personal Statements
Use personal or business bank statements — we work with both.
How Bank Statement Qualification Works
Gather Statements
Provide 12 or 24 months of personal or business bank statements.
Income Calculation
We average your monthly deposits (with an expense factor for business accounts) to determine qualifying income.
Program Selection
We match you to the best bank statement program across our lender network.
Close in 21 Days
Streamlined underwriting with a clear-to-close in as little as three weeks.
Common Questions
Self-Employed and Ready to Buy?
Your bank statements are your qualification. Let's talk through your options.
No obligation. I'll respond within one business day.