Bank Statement LoansYour deposits prove your income.
Qualify using 12 or 24 months of personal or business bank statements instead of W-2s or tax returns. Built for self-employed earners with strong cash flow.
Why borrowers choose this
Built around how youactually qualify.
No tax returns needed
Skip the painful schedule-C math — we look at the deposits hitting your account.
Write-offs don't hurt you
All your business deductions stay where they belong: lowering your tax bill.
True income recognition
We average 12 or 24 months of cash flow to reflect what you actually earn.
Built for entrepreneurs
Designed by lenders who understand variable, seasonal, and growing income.
Program highlights
- 12 or 24 months of statements
- Personal or business accounts accepted
- Loan amounts up to $4M
- No tax returns required
Typical requirements
- 2+ years self-employed
- Credit score from 640+
- 10–20% down typical
Ideal for: Self-employed earners with strong cash flow
FAQ
Common questions
Also explore
Other Flexx loan programs
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