# Bank Statement Loans: How They Work for Business Owners

> Bank statement loans let business owners qualify on 12 or 24 months of deposits instead of tax returns. See how lenders calculate income and who fits.

Canonical: https://smallbusinessmortgages.com/blog/how-bank-statement-loans-work/
Author: Apurva Sanghavi
Published: 2026-10-05T12:00:00.000Z
Tags: Bank Statement