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Bank Statement Loans

Designed for self-employed borrowers — qualify using your bank deposits instead of traditional tax-return income.

12–24 mo

Statements reviewed

Self-employed

Built for owners

No W-2

Required

Flexible

Income view

Overview

What it is

If you’re self-employed, your tax returns may not reflect your true earning power after deductions. A bank statement loan lets you qualify based on deposits over a recent period (often 12–24 months) rather than net income on tax returns.

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Typical requirements

  • Typically 12–24 months of personal or business bank statements
  • Evidence of self-employment
  • A solid credit profile
  • A down payment that fits the program

Potential benefits

  • Qualify on cash flow, not net taxable income
  • Ideal for business owners and freelancers
  • No tax returns required for income
  • Flexible program structures
FAQ

Common questions

How many months of statements do I need?
Most programs review 12 to 24 months of deposits to establish qualifying income.
Can I use business accounts?
Yes — many programs accept personal or business bank statements, with adjustments for business expenses.
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