No Tax Returns? No Problem – Qualify with Your Bank Statements
Ideal for entrepreneurs, 1099 contractors, sole proprietors, or anyone whose income doesn't fit conventional molds.
Qualify with Bank Statements - No Tax Returns Needed for Self-Employed Borrowers
Traditional lenders often require full tax returns, but many self-employed individuals write off expenses that understate true income. SiFi Lending's Bank Statement program simplifies qualification by reviewing your actual deposits and cash flow from bank statements — making it easier to secure financing for primary residences, second homes, or investment properties without the hassle of IRS paperwork.
Qualify using 12-24 months of bank statements
No tax returns, W-2s, or full income verification required; we calculate income based on deposits (personal or business) to reflect your real earning power.
Flexible for self-employed & non-traditional borrowers
Supports primary residences, second homes, or investment properties; competitive leverage with options for strong credit and reserves.
Speedy closings on your schedule
Average 15-day timeline from submission to funding, with boutique service, nationwide availability, and the certainty of execution you expect from SiFi.
Why Choose SiFi Lending for Your Bank Statement Loan?
With expertise in Non-QM programs (including Bank Statement, Asset-Based, and ITIN), SiFi Lending specializes in
complex income scenarios
where banks fall short. We're the go-to for self-employed borrowers who need tailored, high-leverage solutions without rigid documentation.
No cookie-cutter approvals here — just creative structuring, exceptional service, and fast access to capital so you can move forward confidently.
Ready to qualify based on your real cash flow, not your tax returns?
Get a personalized Bank Statement quote today or Apply Now to start the streamlined process.
All loans subject to credit approval, underwriting guidelines, and eligibility. Terms, conditions, and restrictions apply. SiFi Lending, NMLS #2563307.