Loan Program
P&L Only Loan
Qualify on Business Performance Alone
When your business operates on invoices or cash flow that doesn't run through a single account, a CPA-prepared P&L statement is your clearest path to qualification.
Who It's For
Is this the right program for you?
- i.Business owners whose revenue is invoice-based or spread across multiple accounts
- ii.Contractors and consultants whose deposits are irregular but income is consistent
- iii.Borrowers whose bank statements alone don't capture the full picture of income
- iv.Self-employed individuals with a CPA who can prepare a 12 or 24 month P&L
- v.Businesses with strong net income that isn't reflected in tax returns
Requirements
| Credit Score | 620 minimum |
| Max LTV | Up to 85% |
| Down Payment | 15% minimum (primary) |
| Documentation | CPA-prepared 12 or 24 month profit and loss statement |
| Property Types | Primary residence, second home, investment property |
The Process
01
Application
Submit your basic information and program interest. No credit pull at this stage.
02
Review
Nick reviews your scenario and reaches out within one business day to discuss your path forward.
03
Close
Most non-QM loans close in 20–30 days. We coordinate with title, appraisal, and underwriting on your behalf.
Find out if you qualify
Take the 2-minute quiz or apply directly.