P&L Only – 12 or 24 Month

If you’re a business owner looking to leverage your financials without relying on bank statements, the P&L Only Loan is your perfect solution. This option allows you to qualify using only your Profit and Loss statements prepared by an EA, CTEC, or CPA, making it ideal for entrepreneurs who want a more flexible approach to financing.

• Required Documentation: Profit and Loss statements prepared by an EA, CTEC, or CPA for the most recent 12 months, with the possibility of including the prior 12 months.
• Loan-to-Value (LTV): Up to 80%
• Minimum FICO Score: 660
• Maximum Cash-Out: 80%
• Maximum Loan Amount: $2.5 million
• No Bank Statements Needed: We don’t require bank statements to support income verification.
• Ownership Requirement: You must own at least 50% of the business to qualify.
• Supplemental Income: Full documentation income may be added to support your application.

Business owners know how important it is to manage cash flow, and with our P&L Only Loan, you can do just that without the extra paperwork of bank statements. Whether you're expanding your operations or investing in new ventures, this solution allows you to use your business's financial health to secure fast, reliable funding.