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Bank Statement Loan · Self‑employed? Your deposits qualify

Bank Statement Loan: Self‑employed? Qualify with your deposits.

Bank statement loans are designed for self-employed borrowers who show strong revenue but lower taxable income after deductions. Qualify using 12–24 months of personal or business bank statements instead of tax returns.

  • No Tax Returns Needed — Your average monthly deposits — not net income — are used to determine qualifying income. see how it works →
  • Business or Personal Statements — Use personal bank deposits or business deposits — qualifying income is calculated from your statements.
  • Up to 80% LTV — 80% on purchases and rate & term refinances, 75% on cash-out.
  • Built for Business Owners — 1099 earners, freelancers, and business owners the banks turn away often fit here.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

What type of property is this?

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Bank statements
12–24 mo
Deposits qualify
No tax returns
Max LTV on purchases
80%
Minimum credit (1st position)
620

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Know Before You Apply

Can we fund your deal? Check before you apply.

The Bank Statement Loan guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

Bank Statement Loan requirements

What you need

  • Minimum Credit Score: 620 first position / 660 second position
  • Bank Statements Required: 12–24 months
  • Max LTV: 80% purchase · 80% rate & term · 75% cash-out
  • Business or Personal: Either type accepted
  • Occupancy: Primary or investment (no second homes)
  • Where we lend: State availability for Bank Stmt is confirmed on your call — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “The process from start to finish was seamless. Though I had all the required documentation and qualifications, but Anthony was always communicating next steps.”
    Charles A · Philadelphia, PA · Aug 2026Verified client review

  • 5 out of 5 stars

    “Immediate assist with loan process, willing to help to close out the deal ASAP”
    Cuong L · Philadelphia, PA · May 2026Verified client review

  • 5 out of 5 stars

    “Anthony made all the difference. I say this because I originally spoke to someone else at West Capital who unfortunately didn't quite have the experience to get this deal done. Best HELOC options in the business.”
    Damian F · Hollywood, FL · Apr 2026Verified client review

FAQ

Frequently Asked Questions

Common questions about the Bank Statement Loan.

Who is a bank statement loan designed for?

Bank statement loans are designed for self-employed borrowers, freelancers, business owners, and gig workers who have strong revenue but lower taxable income due to business deductions. If your tax returns don’t reflect your true income, this product may be a better fit.

How many months of bank statements do I need?

Most programs require 12 or 24 months of consecutive bank statements. Using 24 months typically results in a more accurate income calculation and may qualify you for a larger loan amount.

Can I use business bank statements?

Yes. Business bank statements are accepted by most lenders. Your qualifying income is calculated as a percentage of deposits based on your business’s typical expense ratio, while personal bank statements are generally counted in full.

What credit score do I need for a bank statement loan?

620 for a first-position loan and 660 for a second position. LTV runs up to 80% on purchases and rate & term refinances and 75% on cash-out. Stronger credit opens up more program options.

Can I use a bank statement loan for an investment property?

Yes. Bank statement loans are available for primary residences and investment properties (second homes are not eligible on this program). Requirements and pricing may vary by property type.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore Bank Statement Loan?

Answer a few quick questions and get a personalized strategy recommendation — including whether Bank Stmt is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

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.