Your deposits tell the story your returns do not.

Bank Statement Loans, step by step.

1. Choose the period. Twelve or twenty-four months. Longer periods often price better and smooth out seasonality.
2. Identify qualifying deposits. Transfers between accounts, loan proceeds, and one-time deposits are typically excluded.
3. Apply the expense factor. A fixed percentage is deducted for business expenses, or a CPA letter may support a lower factor.
4. Document the business. Expect proof the business exists and has operated continuously.

Keep business and personal banking separate. Commingled accounts are the fastest way to lose qualifying deposits and shrink the income the lender can use.

Built for these borrowers.

• Self-employed borrowers with substantial legitimate write-offs
• Business owners whose returns show far less than they earn
• Borrowers who have been self-employed long enough to show consistency
• Investors who need income documented without tax returns

Documents to gather.

• 12 or 24 months of business bank statements
• Business license or entity documents
• CPA letter, if supporting a lower expense factor
• Proof of continuous self-employment