BUSINESS OWNERS
Your business story is bigger than your tax return.
We qualify entrepreneurs based on cash flow, corporation strength, and actual earning capacity—not just what the bank sees on paper.
$1B+ funded for business owners
Deep experience with self-employed, corporations, and complex income structures.
Immediate income verification available
We verify income through cash flow analysis and bank statements, with comprehensive exit strategy review.
Streamlined alternative approvals
Efficient private capital approval process with clear path to conventional when ready.
Choose your business situation
Pick a scenario that matches your income challenge. Each path shows how we verify income beyond tax returns. Click any option to learn more.
Heavy tax write-offs blocking approval
Strong business revenue but aggressive tax deductions make your paper income too low for banks. Access capital based on actual cash flow, not tax returns.
Less than 2 years in business
Recently launched or incorporated, but banks require 2-year history. Bridge financing while building the track record traditional lenders demand.
Seasonal or irregular revenue
Your business has strong annual numbers but irregular monthly patterns confuse bank algorithms. We look at full-year performance and stability.
Multiple business entities
Income flows through partnerships, corporations, and personal accounts. Banks struggle with complexity; we consolidate your complete financial picture.
Business loans affecting ratios
Equipment loans, lines of credit, or business debt push your debt ratios too high despite strong personal cash flow. We separate business from personal capacity.
Cash-based or limited paper trail
Restaurant, retail, or service business with significant cash transactions. Demonstrate income through bank deposits and operational analysis.
Why Hard-Working Business Owners Hit the Barrier
You've built a successful business and strong financial foundation, but traditional lenders put up walls when your income doesn't fit their narrow templates.
Documentation Gaps
Self-employed income verification requirements that ignore successful business operations and near-market wages.
Tax Return Challenges
Legitimate business write-offs that create "paper losses" despite strong underlying profitability and cash flow.
Business Structure Complexity
Corporations, partnerships, and complex ownership structures that confuse traditional underwriters.
Latest Insights & Guides
In-depth articles, practical guides, and strategic advice for business owners navigating income verification challenges
Tax Write-Offs & Mortgage Approval: How to Qualify Despite Low Taxable Income
Smart tax planning creates approval challenges. Learn how business owners can access mortgages while maximizing legitimate business deductions.
Corporation vs Sole Proprietor Financing: How Business Structure Affects Mortgage Approval
Your business structure impacts qualification methods. Understanding how lenders view incorporated businesses vs sole proprietors.
Cash Flow Loans for Business Owners: Bank Statement Mortgage Guide
How bank statement mortgages work for business owners whose tax returns don't reflect true income capacity.