Bank statement loans
Qualify on your deposits when tax returns don't tell the whole story.
A bank statement loan lets self-employed buyers and business owners qualify based on their actual deposits rather than their tax returns. If you write off enough that your tax return understates what you really earn, a standard loan can undercount you. This program looks at the money actually flowing through your accounts instead.
- 01Self-employed buyers and business owners
- 021099 contractors and freelancers
- 03Anyone whose tax return understates real income
Deposits, not tax returns
We qualify you on bank deposits over a set period, which often reflects your true income better than a written-down return.
Built for business owners
If you've been told you don't 'show enough income' despite a healthy business, this is the program that fixes that.
Real documentation, different lens
It's a fully documented loan, just measured by cash flow. I'll tell you which months we'll need.
Bank statement loans, answered.
- I was denied because of my tax write-offs. Can this help?
- Often, yes. Bank statement loans exist precisely for business owners whose returns understate their income. We look at deposits instead. Send me a couple of months and I'll give you a read.
- How many months of statements do I need?
- Programs commonly look at 12 to 24 months of personal or business statements. I'll tell you exactly which once I understand your business.
That's what the first call is for.
Tell me your situation and I'll tell you which programs actually fit. Ten to fifteen minutes, no paperwork.
This page is general information about loan programs, not a commitment to lend or an offer of credit. Program availability, terms, and qualification depend on your situation and are subject to underwriting approval. Tareq Maayta, NMLS #1443073. Loans through Finance USA Corporation, NMLS #135625. Equal Housing Opportunity.