$1,100,000
Self-Employed / Bank Statement
A restaurant owner denied by three traditional lenders. Closed using 12 months of business bank statements — no tax returns needed.
Cary
Loan Program
Bank Statement Loans
Your tax returns don't tell the whole story. Qualify using 12–24 months of bank deposits instead — no W-2s, no tax transcripts, no write-offs working against you.
2 minutes
No SSN required
Free, no obligation
Program Highlights
How Bank Statement Loans Work12–24
Months of Statements Used
We use 12 or 24 months of personal or business bank deposits to calculate your qualifying income — whichever program fits your situation best.
0
Tax Returns Required
No tax transcripts, no W-2s. This is the single biggest advantage for business owners whose write-offs keep their taxable income artificially low.
2+
Years Self-Employed Typical
Most programs want to see at least two years of self-employment or business ownership, though some allow as little as one year with compensating factors.
Who It's For
For Business Owners Traditional Banks Penalize.
If you're self-employed, a 1099 contractor, or run a business with significant write-offs, a traditional bank often sees a lower income than what you actually earn. Bank statement programs qualify you on what actually hits your account.
Program Requirements
What You'll Typically Need.
Documentation is lighter than a conventional loan, but a few things matter more here than elsewhere.
640+ credit score (varies by program)
12 or 24 month statement options
Personal or business accounts accepted
2+ years self-employed (typical)
Purchase or refinance
No W-2s or tax returns
A Deal We Closed
Success Stories
FAQ
Bank Statement Loan Questions
Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.
Contact UsAbsolutely. We offer bank statement programs where we use 12–24 months of business or personal deposits to qualify your income — no tax returns required.
The 24-month program averages a longer income history and can sometimes offer better pricing, while the 12-month program is useful if your most recent year was your strongest and you don't want an older, weaker year dragging down your average.
It depends on how your income flows. We'll review both options with you — sometimes personal accounts qualify you for a higher amount, other times business accounts (with an expense factor applied) work better.
Most lenders want at least two years, though some programs will consider one year of self-employment if you have a strong, related employment history before that.