Bank statement program

Qualify with 12 or 24 months of bank deposits instead of tax returns. Built for business owners whose returns don't tell the whole story.

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Photo: Adobe Stock (free collection) · Adobe Stock standard license · asset 168323237 · licensed 2026-09-06 under the Chris Does Photos account

Who it's for

Self-employed borrowers and 1099 contractors.

How it works

We average deposits from your personal or business bank statements to establish income.
Rates and down payment requirements are higher than agency loans because the investor takes more risk.

What you'll need

12 or 24 months of statements from the same accounts
A business license or CPA letter showing two years in business

Common questions

Do I need perfect credit?

No, but credit still matters. Guidelines vary by investor.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation Z.

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