Bank Statement Loans for Self-Employed Borrowers
Qualify using real cash flow — not tax returns. ABO Capital helps self-employed borrowers, entrepreneurs, and real estate investors secure Non-QM financing using 12–24 months of bank statements.
Fast answers. Smart structuring. Direct access to Steve Abo.
- 35+ years experience
- Non-QM specialist
- Nationwide programs available
Next Step: Click Apply Now or call to review your scenario.
Who Bank Statement Loans Are Designed For?
Bank statement loans are built for borrowers whose tax returns don’t show their true earning power due to legitimate write-offs, complex income, or business ownership.
- Self-Employed Business Owners
- 1099 Contractors
- Freelancers & Consultants
- Gig-Economy Earners (Uber, DoorDash, etc.)
- Entrepreneurs with heavy write-offs
- Real Estate Investors
- High-income borrowers with complex tax structures
How Bank Statement Loans Work
Instead of using W-2s or tax returns, we qualify you using your actual bank deposits. This is one of the most effective Non-QM options for self-employed borrowers who want a mortgage that reflects real income.
- 12 or 24 months of bank statements (personal or business)
- Deposit-based income calculation using averaged monthly deposits
- Business statements typically use an expense factor to estimate net income
- No tax transcripts required for qualification
Bottom line: If your business is strong but your write-offs make your tax returns look “low,” a bank statement loan may be the cleanest path to approval.
Bank Statement Loan Highlights
- Purchase, rate/term refinance, and cash-out refinance
- Primary residences, second homes, and investment properties
- Loan amounts up to $35,000,000+ (scenario dependent)
- Fixed-rate and ARM options
- Interest-only options available (when it improves your strategy)
- LLC / entity vesting may be available (program-dependent)
- Investor-focused solutions, including DSCR-style options when appropriate
Why Work With ABO Capital
This isn’t a rate-shopping website. With ABO Capital, you’re working with a team built around structuring Non-QM loans correctly — especially for borrowers with complex income.
You work directly with Steve Abo — a Non-QM strategist who understands how to present your bank statements the right way, position your file cleanly, and match you with the right program.
- True Non-QM expertise (not a call-center approach)
- Smart structuring for self-employed and high-net-worth borrowers
- Investor mindset for borrowers building portfolios
- Access to multiple Non-QM capital sources
- Guidance from application to closing
What Our Clients Say
“Steve took the time to actually understand my business income instead of forcing me into a rigid underwriting box. The way he structured my bank statement loan made the approval process straightforward and predictable.”
— David A. Self-Employed Business Owner, California
“After being told ‘no’ elsewhere, Steve explained exactly how my income needed to be presented and structured. The process was clear, professional, and handled without surprises.”
— Jane E. Real Estate Investor
Bank Statement Loan FAQs
Do bank statement loans require tax returns?
No. Bank statement loans are specifically designed to qualify borrowers without using tax returns as the primary income verification method.
Are bank statement loans considered Non-QM?
Yes. These programs fall under Non-Qualified Mortgage (Non-QM) guidelines and are built for borrowers who don’t fit traditional agency underwriting.
Can I use business bank statements?
Yes. Business bank statements are commonly used. Your deposits are averaged and an expense factor is typically applied to estimate qualifying income.
What credit score is required?
Minimum credit scores vary by program, but options often start around the low-to-mid 600s depending on the full file.
Can investors use bank statement loans?
Yes. Some investors use bank statement loans when their income profile is complex, or when it aligns better than traditional documentation options.
Ready to Qualify Using Your Bank Statements?
If your tax returns don’t reflect your real income, you don’t have to settle for a “no.” A properly structured bank statement loan can help you qualify based on the cash flow you actually generate.
Next Step: Apply now or call to review your scenario with ABO Capital.
This is not a commitment to lend. Programs subject to guidelines, underwriting, and approval.