Self-employed? Qualify without tax returns.
Great businesses show low taxable income on paper — and traditional lenders punish you for it. We can qualify you using bank statements instead.
No tax returns needed
Qualify using 12–24 months of bank statements instead of tax returns and W-2s.
Judged on real cash flow
We look at money actually moving through your business — not your write-off-reduced net income.
Purchase or refinance
Buy a new home, pull cash out, or refinance an existing loan — all self-employed friendly.
“Every other lender said no because of my write-offs. They used my bank statements and got it closed — fast.”
Check Your Eligibility
No impact to your credit score to start.
Licensing varies by state.
🔒 Encrypted with SSL/TLS · Soft inquiry — no credit score impact to see your options.
What is a bank statement loan?
A bank statement loan lets self-employed borrowers qualify for a mortgage using 12–24 months of bank deposits instead of tax returns or W-2s. It’s built for business owners whose write-offs lower their taxable income. Pacific Lending offers bank-statement and P&L-only options for purchase, refinance, and cash-out.
Built for self-employed & business owners
Real advantages tailored to your situation.
No tax returns needed
Qualify using 12–24 months of bank statements instead of tax returns and W-2s.
Judged on real cash flow
We look at money actually moving through your business — not your write-off-reduced net income.
Purchase or refinance
Buy a new home, pull cash out, or refinance an existing loan — all self-employed friendly.
No bank statements? P&L-only option
Prefer not to share bank statements? Qualify on a CPA- or licensed-tax-preparer P&L (profit & loss) statement alone — no bank statements required.
Flexible, common-sense underwriting
Non-QM programs built for entrepreneurs, not one-size-fits-all box checking.
How it works
Three simple steps from question to keys.
- 1
Tell us about your business
A couple quick questions about your revenue and how long you’ve been self-employed.
- 2
Verify & connect
Confirm your number and a specialist reviews your scenario — no tax returns required.
- 3
Get your options
Receive bank-statement loan options tailored to your real cash flow.
Frequently asked questions
How do bank statement loans work?
Instead of tax returns, we analyze 12–24 months of your personal or business bank statements to estimate qualifying income based on actual deposits — ideal for owners whose write-offs lower their taxable income.
How long do I need to be self-employed?
Most programs look for around 2 years of self-employment, though some allow less with a strong history. Tell us your situation and we’ll confirm.
Are the rates much higher?
Non-QM rates can be somewhat higher than conventional, but for many business owners it’s the difference between qualifying and not — and you can often refinance later. We’ll show you real numbers.
Can I use this to buy an investment property?
Often yes. Bank statement and non-QM programs are frequently used for primary homes and investment properties alike. Let us know your goal.
What if I don’t want to provide bank statements at all?
We also offer a P&L-only (profit & loss) program: qualifying income is based on a profit-and-loss statement prepared by your CPA or a licensed tax preparer — no bank statements and no tax returns required. It’s ideal for owners who want a simpler, more private path. Terms and eligibility vary by scenario.