Bank statement loans: your deposits tell the story your tax returns don't.
Qualify on 12 months of personal or 12 or 24 months of business bank statements instead of tax returns. Built for borrowers whose write-offs make their returns look smaller than their real income, self-employed or not.
Check My Bank Statement Options
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
60 seconds · no hard credit pull · never sold
- Income from your deposits: 12 months of personal or 12 or 24 months of business bank statements.
- No tax returns, W-2s or pay stubs.
- 620+ credit in first position (660+ for a second-position loan). Below 620, this program isn't available.
- Below 620 on a home you own and live in, in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA, with real equity: a Home Equity Investment may work instead.
- Primary residences and investment properties, purchase or refinance. Not second homes.
- Personal deposits count in full; business deposits count after an expense factor set for your business.
- It's about the deposits, not the job title: self-employed borrowers, 1099 contractors, commission earners and others whose deposits show their income can qualify.
- A strong fit when your deposits tell a better story than a P&L, your credit is 620 to 659, or the loan is under $150,000.
- Loans from $75,000 to $5,000,000.
- Available in all 35 states + D.C. where Arran is licensed.
Rather just talk? Call or text us at (949) 401-7593
12 or 24
Months of statements (personal: 12)
0
Tax returns needed
620+
Minimum credit, first position
Both
Personal or business statements
$75K–$5M
Loan amounts
We confirm reserves, the business expense factor, loan limits and purchase terms for your specific file on a call. Below 620 credit, bank statement loans aren't available.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- Borrowers with 12 months of personal or 12 or 24 months of business bank statements
- 620+ credit in first position; 660+ in second position
- Primary residences and investment properties
- Purchases and refinances
- Loans from $75,000 to $5,000,000
- Self-employed or not: the deposits do the qualifying
We're not the right fit for:
- Second homes on this program
- Credit under 620 (a Home Equity Investment may work on a home you live in, in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA)
- Loans under $75,000
- Properties outside the 35 states + D.C. where Arran is licensed
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Your deposits are the paperwork.
For borrowers whose bank activity shows the income their returns don't.
What You Need
A short list.
- 12 months of personal or 12 or 24 months of business statements
- 620+ credit (660+ in second position)
- A primary home or an investment property
- A government ID, plus your mortgage statement on a refinance
What You Skip
The documents that undersell you.
- No tax returns
- No W-2s or pay stubs
- No CPA-prepared P&L
- No penalty for legitimate write-offs
Is this your lane?
When a bank statement loan is the right call
Your deposits beat your P&L
Steady deposits show the income your returns hide. Personal deposits count in full; business deposits count after an expense factor.
Credit from 620 to 659
Below 640, a P&L loan isn't available, and from 640 to 659 its terms are at their tightest. Bank statement loans start at 620.
A smaller loan
P&L loans start at $150,000; bank statement loans start at $75,000.
Not self-employed? Still a fit
Job title doesn't decide it. 1099 contractors, commission earners, W-2 earners with heavy deductions and retirees living on their assets can qualify when their deposits show the income.
Below 620
Credit under 620? Here's the honest answer.
Bank statement loans start at 620 credit, and below that we can't offer one. If you own and live in a home in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA with real equity, a Home Equity Investment can work instead: cash from your equity, no monthly payments, credit accepted from 500.
See the Home Equity Investment →What you'll need
The whole document list
- 12 months of personal or 12 or 24 months of business bank statements, in a row
- A government-issued ID
- Your current mortgage statement, if you're refinancing
No tax returns, W-2s or pay stubs. We confirm the rest of your file, like reserves, on a call before you apply.
Calculator
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Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Products
A program for nearly every scenario.
More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.
- Our Most Popular Product
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
See HELOC options → - ★ Self-Employed
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
See P&L Loan options → - Investors
Investment (DSCR)
The rent qualifies, not your W-2
See DSCR options → - Cash In Hand
Refinance / Cash Out
Pull cash out for your next investment, or roll your debts into one loan
See Refinance options → - Buy & Hold
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
See Rental Loans options → - Speed
Hard Money
Asset-based: close in days, not months. Purchase or refinance
See Hard Money options → - Strong Credit
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
See Conventional options → - Primary Residence
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
See FHA options → - Veterans
VA Loan
Veterans and active duty: 0% down at 620+, no PMI, up to 100% LTV
See VA options → - No Monthly Mortgage Payment
Reverse Mortgage
55+: equity access, no monthly mortgage payment
See Reverse options → - Credit From 500
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
See HEI options → - No Income Docs
No-Ratio
Investment properties: 680+ credit, no income docs, up to 65% LTV
See No-Ratio options → - Buying a Home
Purchase
Get pre-approved for your next home
See Purchase options → - Let the quiz decide
Not Sure? Show Me Options
Fill out the quiz and Arran will personally match your scenario to the right program you qualify for
Find my program →
Our Process
From first question to funded, in four steps.
No guesswork. No pressure. Just a clear path to the right loan.
- 1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
- 2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
- 3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
- 4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.
Guides
Go deeper before you decide.
Plain-English guides with the same numbers the quiz uses.
FAQ
Frequently Asked Questions
Common questions about Bank Statement Loan loans.
Get Started Today
Straight answers, fast.
Check your Bank Stmt options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.
Rather pick a time? Book a call
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.