Self-Employed LoansBuilt for founders, freelancers, and 1099 pros.

Tailored programs for entrepreneurs, business owners, consultants, and gig professionals whose tax returns understate their true earning power.

Get Pre-Qualified Call (917) 536-8709

Happy entrepreneur working at home office laptop

Why borrowers choose this

Built around how youactually qualify.

Multiple ways to qualify

Bank statements, 1099s, P&Ls, or assets — we pick the best lens for your file.

Lower down payments

Up to 90% LTV in qualifying programs — keep more capital in your business.

Quick pre-qualification

Know what you can buy in days, not weeks of back-and-forth.

We speak your language

No more explaining what 'pass-through income' means to a junior loan officer.

Program highlights

Bank statement, 1099, or P&L options
Asset depletion qualification
Up to 90% LTV in some programs
Combine income sources flexibly

Typical requirements

2 years self-employed (1 year case-by-case)
Credit 620+
Reserves 2–6 months

Ideal for: 1099 earners, consultants, gig professionals

FAQ

Common questions

Also explore

Other Flexx loan programs

Non-QM Loans

Non-Qualified Mortgages give creditworthy borrowers a path to financing when their profile doesn't fit Fannie Mae or Freddie Mac guidelines — without sacrificing competitive terms.

Learn more

Bank Statement Loans

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.

Learn more