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
Based on borrower, property, and program eligibility
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 final loan review

  4. 04

    Close without a single tax return