Tap your equity. No tax returns needed.
Self-employed homeowners: access your home equity with a bank statement HELOC. We qualify on your real deposits — not what your CPA wrote off.
Home equity for business owners
Bank Statement Qualification
12–24 months of business or personal bank deposits prove your income — no tax returns required.
Keep Your First Mortgage
A HELOC sits alongside your existing mortgage. No need to refinance and lose your low rate.
Draw As You Need
Access cash when you need it and pay interest only on what you use — like a credit card at mortgage rates.
How it works
Apply online
Tell us about your property and self-employment income documentation.
Get your options
A Frendly Pro compares the best lenders for bank statement HELOC programs.
Access your equity
Draw funds as needed once your line is approved and funded.
Bank Statement HELOC FAQs
Can self-employed borrowers get a HELOC without tax returns?
Yes. Bank statement HELOC programs use 12–24 months of your business or personal bank deposits to prove income instead of tax returns. This is a non-QM home equity option for business owners who write off significant expenses.
How is a bank statement HELOC different from a regular HELOC?
A standard HELOC typically requires W-2s or tax returns to verify income. A bank statement HELOC qualifies you on your actual cash flow deposits — the money coming into your accounts — rather than your adjusted gross income on a tax return.
Do I need to refinance my first mortgage?
No. A HELOC is a separate line of credit alongside your existing mortgage. You keep your current rate and only pay interest on the amount you draw from your equity line.
Your business runs on cash flow. So does this loan.
Don't let a low tax return block you from using the equity you've built.
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