Use 12 months of bank statements instead of tax returns to qualify for a mortgage.
Tax returns are often a snapshot of income from a previous year and may not accurately reflect a business's current financial performance.
For example, a business owner applying for a mortgage in June 2026 may only have a completed 2025 tax return available. If the business experienced significant growth during the last 12 months, the tax return may drastically understate the owner's current income.
A bank statement loan allows lenders to evaluate recent business activity by reviewing the most recent 12 months of deposits and revenue. This can be especially beneficial for:
2025 Tax Return Income:
$80,000
Actual Business Deposits Last 12 Months:
Equivalent to $150,000 Income
Result:
A bank statement loan may qualify the borrower using recent business performance instead of relying solely on an older tax return.
We do not ask for or look at your tax returns. Your approval is based entirely on the gross deposits shown on your bank statements.
You can qualify using either personal bank statements (often counting 100% of deposits) or business bank statements.
Because we aren't subtracting all your aggressive tax write-offs, your qualifying income is typically much higher.
These non-QM mortgage loans are designed specifically for entrepreneurs. They close quickly and offer flexible terms.
We analyze 12 months of your business or personal bank statements.
We apply standard, lender-specific expense factors to your gross deposits.
We quickly verify your business ownership and time in business to finalize approval.
*Some exceptions may be available.
If you fall into any of these categories, this program was built for you.
Breakdowns and walkthroughs by David Sider and Rakesh Jain.
