Specialty · Non-QM

Bank Statement Loans

“Qualify with bank statements, not tax returns.”

Bank statement loans are a non-QM option designed for self-employed borrowers and business owners. Instead of tax returns and W-2s, they typically use 12–24 months of bank statements to document income — which can help when tax write-offs lower your taxable income.

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Who it may be a good fit for

Self-employed borrowers and business owners
1099 contractors and gig-economy earners
Borrowers whose tax returns don't reflect their true cash flow

Key things to know

Non-QM programs vary widely by lender in rates, down payment, and requirements
Reserves may be required, and pricing is often higher than conventional
Documentation requirements differ from a standard loan

What you'll typically need

12–24 months of personal or business bank statements
Business license or proof of self-employment
Photo ID and details on your assets and debts

Last reviewed: July 2026. This page is general education, not a loan approval or commitment to lend; program details vary by lender and can change.

Good to Know

Bank Statement Loans FAQs

Who is a bank statement loan for?

It's built for self-employed borrowers whose tax returns understate their real income due to write-offs. It uses bank deposits to show cash flow instead.

How many months of statements do I need?

Typically 12 to 24 months, depending on the lender and program. As a broker I can match you to the program that fits your situation.

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