Loan programs
Four ways to prove what you make
Skip the tax-return runaround. Qualify on your deposits, your 1099s, a CPA's P&L, or a rental property's cash flow. Company drivers and veterans get traditional options too. We compare them all against your file.
Bank Statement Loans
Qualify on 12 to 24 months of personal or business deposits. No tax returns used for income.
Learn more1099 Loans
Contract driver or leased on? Qualify on your 1099s instead of your tax return.
Learn moreP&L Loans
Clean books? Qualify on a CPA-prepared profit and loss statement.
Learn moreDSCR Rental Loans
Buy a rental and qualify on the property's rent, not your paycheck.
Learn moreFHA, VA & Conventional
W-2 company drivers, veterans, and strong tax-return files.
Learn moreNot sure which fits?
Tell us how you get paid and we'll point you to the right program.
See if you qualifySide by side
Which program fits how you get paid?
| Program | Best for | Income is based on | Tax returns used for income? |
|---|---|---|---|
| Bank Statement | Owner-operators, leased-on or own authority | 12 to 24 months of bank statements | No |
| 1099-Only | Contract drivers paid on a 1099 | 1 to 2 years of 1099s | No |
| P&L-Only | Fleet owners and LLCs with a CPA | CPA-prepared P&L plus recent statements | No |
| DSCR | Buying a rental property | The property's rent vs. its housing cost | No |
| FHA / VA / Conventional | W-2 company drivers, veterans, strong tax returns | W-2s, pay stubs, or tax returns | Yes, for self-employed |
Guidelines vary by lender. Non-QM programs are not available in all states.
Find out what you qualify for. From the cab.
Answer a few questions, no credit pull to start. A licensed loan officer who speaks trucking will shop your file across 150+ wholesale lenders.