Forge Capital
Loan programs

Bank Statement

10% down · 680+ FICO

Bank Statement loans

For self-employed borrowers: 12 or 24 months of personal or business deposits in place of tax returns, with no P&L gymnastics required.

Program highlights

01

Documentation
12 or 24 months of personal or business statements
Expense factor
Fixed factor or CPA letter, whichever helps you
Loan amounts
Up to $3,000,000
Occupancy
Primary, second home, and investment

Who this fits

02

  • Business owners with heavy write-offs
  • 1099 contractors and commission earners
  • Borrowers between two years of filed returns

How it closes

03

  1. 01

    Send statements; we calculate qualifying income

  2. 02

    Pre-approval with the income already underwritten

  3. 03

    Appraisal and title in parallel

  4. 04

    Close without a single tax return