Bank Statement Loan
Use your business revenue to qualify, not your tax returns
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Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
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Bank statement loans are designed for self-employed borrowers who show strong revenue but have lower taxable income after deductions. Qualify using 12–24 months of personal or business bank statements instead of tax returns.
Run the NumbersKey Advantages
Why Choose a Bank Stmt?
Here's what sets this loan product apart and who it works best for.
No Tax Returns Needed
Your average monthly deposits are used to determine qualifying income, not your net income after write-offs.
Business or Personal Statements
Use personal bank deposits (100% counted) or business deposits (50–100% counted based on expense ratio).
Wide Range of Properties
Eligible for primary residences, second homes, and investment properties.
A Real Non-QM Path
A structured program for strong self-employed files, priced individually for your scenario.
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Eligibility
Qualification Requirements
General guidelines for Bank Statement Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Minimum Credit Score | 660+ |
| Bank Statements Required | 12–24 months |
| Minimum Down Payment | 10% |
| Self-Employment | 2+ years self-employed (typically) |
| Business or Personal | Either type accepted |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about Bank Statement Loan loans.
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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.
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