Business Bank Statement Loans

Run your income through a business account? Qualify on your business deposits instead of tax returns.

How business bank statement loans work

We review 12 or 24 months of business bank statements and calculate qualifying income from your deposits, applying an expense factor based on your type of business. A CPA letter or profit and loss statement can support a lower expense factor.

Because we never rely on tax returns, write-offs that lower your taxable income don't lower your buying power.

Key benefits

No tax returns

Income is calculated from business deposits, not your tax returns.

Write-offs don't hurt you

Legal deductions no longer shrink the amount you qualify for.

Multiple business accounts

Combine deposits from more than one business account.

Purchase, refinance or cash-out

Buy a home, lower your rate or tap your equity.

Basic requirements

Typically 660+ credit score
12 or 24 months of business bank statements
2 years in business (CPA letter or business license)
10-20% down payment
Primary residence, second home or investment property

Expense factor, down payment and pricing vary by business type and credit profile. Get pre-approved for exact terms.

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Who it's for

Small business owners and LLC or S-corp owners
Restaurant, construction, trucking and trade businesses
Medical, legal and other professional practices
E-commerce and online businesses

Where it's available

Available in California, Colorado, Florida, Illinois, North Carolina, South Carolina, Tennessee, Texas, Oregon, Pennsylvania, Washington.

See licensing details →

Run the numbers

Use our free calculator to estimate your payment before you apply.

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How it works

1
Get pre-approved
Answer a few questions online. Soft credit pull, results in minutes.
2
Upload documents
Securely upload what we ask for in your portal, available 24/7.
3
Close fast
Our AI-native underwriting moves your file forward. Close in as fast as 14 days.