Your business is thriving. Your CPA did an incredible job.
But your banker is saying you don’t qualify and now you’re not quite sure what to do.

YOU HERE BECAUSE…

You've built something real. Your CPA has done exactly what they should minimize what you owe the IRS. But now that same tax return is making you look broke on paper, and a banker just said “no.”

Here’s What Surprises Most Folks

  • Bank statement loans qualify you on actual cash flow, deposits into your business or personal accounts, not your tax return

  • 12-24 months of statements replace the W-2 that doesn't exist for you

  • Your write-offs don't have to work against you anymore

  • These programs exist specifically because the traditional system wasn't built for the way successful business owners actually operate

How It Works in Real Life…

Business owner. $600K+ in annual deposits. CPA did exactly what a good CPA does and minimized taxable income to $72K. The bank looked at the tax return and said no. We looked at 12 months of bank statements instead. Closed in 28 days. $600K is a lot of money when you know how to look at it.

Your Questions, Answered

  • Most programs require 620–660 minimum. Some go lower with a larger down payment or strong compensating factors. The stronger your credit, the better your rate options.

  • No. That's the whole point. We qualify you entirely on bank deposits without referencing your tax returns. Your CPA's work stays where it belongs on your tax bill.

  • Either can work depending on your business structure. Business statements typically use a 50% expense factor on deposits (some lenders use a CPA letter for a custom factor). Personal accounts use 100% of deposits. We identify which approach gives you the strongest qualifying income.

  • Either can work depending on your business structure. Business statements typically use a 50% expense factor on deposits (some lenders use a CPA letter for a custom factor). Personal accounts use 100% of deposits. We identify which approach gives you the strongest qualifying income.

  • Typically they are a bit higher depending on the lender, your credit, and loan size. As your business matures and you build more history, refinancing into a conventional loan later is always an option. Many clients do exactly that after 2–3 years.

  • Bank statement programs typically go up to $3–4 million. One of the stronger programs for clients targeting higher loan amounts. Combined with jumbo underwriting, this is often the right fit for business owners buying higher-value homes.

These specialty programs were built for folks just like you.

LET’S CHAT ABOUT YOUR OPTIONS →