P&L Statement Loans
Qualify With Your Profit & Loss Statement — No Tax Returns Needed
If you’re self-employed and your tax returns don’t show your real income, A P&L loan may be the faster path to approval.
Our P&L program is designed for business owners, entrepreneurs, and self-employed borrowers who want to qualify based on their business performance, not traditional income documents.
No Tax Returns. No W-2s. No Problem.
How It Works
- Use a 1-year or 2-year Profit & Loss statement.
- Qualify based on your business’s net income.
- Designed for self-employed borrowers with strong cash flow.
- Ideal for purchase, refinance, and cash-out scenarios.
Built for Business Owners Who Write Off Real Income
If your CPA is helping you reduce taxable income, that shouldn’t keep you from getting approved.
A P&L loan gives lenders a clearer picture of how your business is actually performing.
Perfect for :
- Self-employed borrowers.
- Business owners.
- Consultants.
- Freelancers.
- Entrepreneurs with strong revenue and write-offs
Stop Letting Tax Returns Control Your Borrowing Power Your business is doing the work. Let your P&L help you qualify.
FAQ's
What documentation is needed for a No Doc Loan?
Minimal documentation is required. We typically verify your assets, reserves, identity, and credit profile.
Can I use a No Doc Loan to refinance my existing mortgage?
Yes, No Doc Loans can be used for both purchasing a new home and refinancing an existing mortgage.
Can I use a No Doc Loan for an investment property?
Yes. No Doc Loans are available for primary residences, second homes, and investment properties.
