A home loan brand of Matador Lending · NMLS #2072896 · Equal Housing OpportunityCall or text713-366-4668
Loan Programs

Mortgage programs for small business owners

Five ways to document your income without leaning on the taxable income from your tax return. We shop 150+ wholesale lenders to find the one that fits.

Most popular

Get qualified on deposits, not deductions

Lenders average 12 or 24 months of personal or business bank statements to build your qualifying income.

  • 12 or 24 month statement options
  • Personal or business accounts
  • No tax returns used to calculate income
  • Primary, second home, or investment
Bank Statement Loans
1099-Only

Contractor and commission income, simplified

Qualify using 1099 forms, ideal for independent contractors, real estate agents, consultants, and freelancers.

  • Qualify straight from your 1099s
  • A set expense ratio, not your full Schedule C
  • Great for agents, consultants, and creators
  • W-2 plus 1099 combinations welcome
1099 Loans
P&L-Only

A CPA-prepared P&L can be enough

Established business owners can qualify on a profit and loss statement prepared by a CPA or tax preparer.

  • Qualify on a P&L, often without full returns
  • A clean path for established businesses
  • 12 or 24 month P&L options
  • Some lenders pair it with limited statements
P&L Loans
Investors

Buy rentals on the property's cash flow

Debt service coverage ratio loans qualify you on a rental's income, not your personal tax returns.

  • No personal income documentation
  • Long-term or short-term rentals
  • Take title in an LLC (lender dependent)
  • Purchase, refinance, or cash-out
DSCR Loans
Asset Depletion

Let your liquid assets do the qualifying

Asset depletion loans turn eligible savings, investments, or retirement funds into qualifying income.

  • Good for business sellers and retirees
  • Uses eligible liquid assets
  • Can pair with other income
  • Primary, second home, or investment
Asset-Based Loans
Not sure?

Tell us how you get paid

Answer a few questions and a loan officer will match you to the right program, or tell you if a conventional loan would price better.

See if you qualify

Buying or refinancing commercial property? Offices, retail, warehouses, your own business's building, and fix and flips are handled by Matador Funding, Matador's business-purpose lending arm.

Compare self-employed loan programs

ProgramBest forIncome documented with
Bank Statement LoansOwners with steady deposits and big write-offs12 or 24 months of bank statements
1099 LoansContractors, agents, consultants paid on 1099s1099 forms, one to two years
P&L LoansEstablished businesses with a CPACPA-prepared P&L
DSCR LoansBuying or refinancing rentalsLease or appraiser rent schedule
Asset-Based LoansStrong savings, recent business sellersAsset statements

Already qualify on your tax returns? A conventional or government loan may price better, and we'll show you that comparison too. Read what a non-QM loan is or our complete guide to mortgages for small business owners.

Non-QM programs are not available in all states and are subject to credit approval, income and asset verification, and appraisal. Guidelines vary by lender.

Find out what you qualify for in about 60 seconds

No tax returns. No credit pull to start. Just a straight answer from a broker who works for you.

Equal Housing Opportunity · NMLS #2072896 · Powered by Matador Lending

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