Owner-Occupied Purchases
Purchase commercial property that your business will occupy, using bank deposits instead of tax returns to qualify.
Owner-occupied commercial financing
Bank Statement Commercial Real Estate Loans
Alternative owner-occupied financing that uses business bank deposits — not tax returns — to evaluate your ability to repay. Built for self-employed owners whose tax returns don't fully reflect what the business actually generates.
Program overview
Qualify on what the business deposits, not what the tax return shows.
Many self-employed business owners write off enough legitimate expenses that their tax returns understate actual cash flow — which can make a conventional bank decline a deal that easily supports the debt. Bank statement financing solves this by qualifying the loan using 12 consecutive months of business bank deposits instead of tax returns, giving a truer picture of what the business can support. We evaluate the deposits, structure the request, and place it with a correspondent lender whose bank-statement program fits the transaction.
What These Loans Can Finance
Refinance & Cash-Out
Refinance an existing owner-occupied property or pull cash out for the business, still qualifying on deposit history.
Built for Self-Employed Borrowers
Designed for business owners whose tax returns are optimized for a lower tax bill rather than showing maximum qualifying income.
No Tax-Return Underwriting
Twelve months of business bank statements replace tax returns, K-1s, and W-2 income documentation.
Property Types We Regularly Finance
Office
Retail
Mixed-Use
Warehouse & Light Industrial
Automotive
Restaurant & Bar
Daycare Center
Our role
Matching your deposit history to the right bank-statement lender.
Deposit analysis
We review 12 months of business bank statements to calculate qualifying cash flow.
Deal structuring
We structure the loan amount and terms around what the deposits actually support.
Lender matching
We place the request with a correspondent lender whose bank-statement program fits the property and occupancy.
Through closing
We coordinate appraisal, underwriting conditions, and closing through funding.
Let our lending team review your transaction.
Submit the basic property and transaction details and a member of our team will contact you regarding structure and next steps.