Bank Statement

Loans

What are Bank Statement Loans?

Skip the W-2s and tax returns — we’ll qualify you using your bank deposits instead. Perfect for self-employed borrowers, gig-workers, or entrepreneurs whose income looks different on paper.

Bank Statement Loan Guidelines

Income verified through 12–24 months of business or personal bank statements.
Designed for self-employed borrowers.
Can finance primary, secondary, or investment properties.
Loan amounts up to $3 million (varies by program).

Is a Bank Statement Loan Right For You?

You’re self-employed and can’t easily document income through W-2s or pay stubs.
You have steady deposits that reflect consistent earnings.
You want to use your true cash flow—not tax write-offs—to qualify.