Flexible

Self-Employed Loans

Your income is more than your tax return.

If you own your own business, the way your income shows up on paper rarely tells the full story. I have been self-employed. I understand how business ownership structures income and I know the loan products built to work with your real financial picture, not just your 1040.

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Who it’s for

Self-employed borrowers, business owners, freelancers, contractors, and anyone whose income does not fit neatly into a W-2. If your tax returns show lower income due to business deductions, there are programs designed specifically for your situation.

Key benefits

✓Bank statement loans using 12 to 24 months of statements

✓Profit and loss statement loans available

✓Asset depletion options for high-asset borrowers

✓No tax returns required for many programs

✓Your business ownership is treated as an asset, not a liability

Common questions

What people ask about self-employed loans

What is a bank statement loan?

12 to 24 months of business or personal bank statements are used to calculate qualifying income instead of tax returns.

My tax returns show very little income due to deductions. Can I still qualify?

Yes. Bank statement programs look at actual deposits rather than taxable income, which often paints a much more accurate picture.

Do I need to have been self-employed for a certain amount of time?

Most programs require at least two years of self-employment history, though some exceptions exist.

Ready to see if this is right for you?

Let’s run the numbers together and find out exactly what you qualify for. No pressure, no commitment.

Get Pre-Approved Call (253) 417-8790

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Not sure this is the right fit? Browse all available programs.

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