Your Business Built
Your Success. We'll Finance It.
Traditional lenders penalize entrepreneurs for writing off business expenses. We specialize in alternative documentation programs that reflect your true financial picture.
Alternative Income
Documentation Programs
Bank Statement Loans
Most PopularQualify based on 12–24 months of personal or business bank statements instead of tax returns. Perfect for business owners who write off significant expenses.
- 12 or 24 month bank statement options
- Personal or business accounts accepted
- Loan amounts up to $3M
- Primary, second home, and investment
1099 Income Loans
Designed for independent contractors and freelancers who receive 1099 income. Use your 1099s to document income without full tax returns.
- 1 or 2 year 1099 averaging
- No tax return requirement
- Flexible credit guidelines
- Competitive rates
P&L Statement Loans
Qualify using a CPA-prepared Profit & Loss statement — ideal for business owners with complex tax situations.
- 12-month P&L from licensed CPA
- No tax returns required
- Up to 90% LTV on primary residence
- Fast approval process
Asset Depletion Loans
High-net-worth borrowers can qualify using liquid assets as a calculated income stream — no employment income required.
- Retirement and investment accounts accepted
- No employment verification needed
- Ideal for retirees and investors
- Jumbo loan amounts available
We've Seen It All.
We Have Solutions.
Challenge
Tax returns show low income due to write-offs
Our Solution
Bank statement or P&L programs use actual cash flow, not taxable income.
Challenge
Income varies month to month
Our Solution
We average income over 12–24 months to smooth out fluctuations.
Challenge
Multiple business entities or income streams
Our Solution
Our specialists are experienced in complex income structures.
Challenge
Recently became self-employed
Our Solution
Some programs require as little as 12 months of self-employment history.
Don't Let Tax Write-Offs Hold You Back.
Speak with a self-employed mortgage specialist today.