What Is a Bank Statement Loan?

Bank Statement loans let self-employed borrowers qualify using 12–24 months of bank statements instead of tax returns. Up to 85% LTV.

How Bank Statement Loans Work

Traditional lenders weren't built for entrepreneurs — but we were. Bank Statement Loans let self-employed borrowers qualify using 12 to 24 months of bank statements instead of tax returns. No W-2s, no pay stubs, no explaining why your write-offs make your income look smaller than it is. If your bank account shows consistent deposits and strong cash flow, you qualify.

Self-employed investors, business owners, 1099 contractors, and anyone whose tax returns understate their real income. If you run your income through a business and take deductions like you should, this program was built for you.

Get a Quote → Call (862) 293-2467
Up to 85% LTV Purchase and refinance
12–24 months of statements Qualify on cash flow, not tax returns
Personal or business accepted Whichever reflects your income best
No tax returns, W-2s, or pay stubs Skip the paperwork
Purchase and refinance available Flexible loan purpose

Bank Statement Loan Requirements

Straightforward requirements built around your real cash flow.

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Up to 85% LTV
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12–24 months of bank statements required
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Personal or business bank statements accepted
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No tax returns, W-2s, or pay stubs required
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Qualifying income calculated from consistent deposits
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Purchase and refinance available

How to Get a Bank Statement Loan

Qualify on your real cash flow, not your tax returns.

1
Tell us about your income Self-employed, 1099, or business owner — we want to hear the full picture.
2
Submit 12–24 months of bank statements Personal or business accounts, whichever fits best.
3
We calculate your qualifying income Based on consistent deposits, not taxable income.
4
Close on your terms Purchase or refinance, up to 85% LTV.
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Common Questions

Do you use personal or business bank statements?
Either. We calculate qualifying income from consistent deposits in your personal or business accounts.
Why not just use my tax returns?
Most self-employed borrowers show lower taxable income because of legitimate write-offs. Bank statements show your actual cash flow — which usually qualifies you for more.
How many months of statements do I need?
Typically 12 to 24 months, depending on the program and deposit consistency.
Can I use this for a purchase and a refinance?
Yes — both are available under this program.

Ready to Qualify on Your Real Income?

Get a quote today. Qualify with bank statements instead of tax returns — up to 85% LTV, no W-2s required.

Get a Quote Call (862) 293-2467