No Tax Returns Required • Perfect for Self-Employed Borrowers
Get approved using bank statements or profit & loss statements instead of tax returns. Designed for business owners, entrepreneurs, and self-employed professionals who show strong income but reduced taxable income.
Qualify using 12-24 months of bank statements or a recent P&L statement
Perfect for business owners, 1099 contractors, and entrepreneurs
Streamlined documentation process with quick turnaround times
Two flexible options designed for self-employed borrowers and business owners
12 or 24 Month Options
Qualify using your personal or business bank statements instead of tax returns. We analyze deposits to determine income.
12 or 24 Months of Statements
Use personal or business bank statements
Purchase or Refinance
Available for primary, second homes, and investment properties
Up to $3.5M Loan Amount
Competitive rates for various loan sizes
Cash-Out Refinance Available
Access your home equity for any purpose
Down to 580 Credit Score
Flexible credit requirements available
CPA-Prepared Option
Qualify using a Profit & Loss statement prepared by a licensed CPA or tax professional. Streamlined documentation for business owners.
CPA-Prepared P&L Required
Recent profit & loss statement from licensed professional
Faster Documentation
Less paperwork than bank statement programs
Purchase or Refinance
All property types and transactions accepted
Cash-Out Refinance Available
Tap into your equity with competitive terms
Excellent for High Earners
Perfect for those with write-offs reducing taxable income
Our mortgage specialists will review your situation and recommend the best program. Most borrowers find Bank Statement mortgages easier if they don't already have a CPA-prepared P&L, while the P&L option can be faster if you have recent statements ready.
Talk to a SpecialistFour powerful ways to use Bank Statement or P&L mortgages for your financial goals
Lower your rate, reduce monthly payments, or switch loan terms
Buy your dream home or investment property without tax returns
Access your home equity for renovations, debt, or investments
Get a second mortgage or HELOC without disrupting your first
Choose your loan purpose and get pre-qualified in minutes
No tax returns required • Fast approval • Competitive rates
Secure application • No impact to credit score • Free consultation
This Program is available for one-time use only.
If you want to learn whether you may qualify for the Program or request a review, contact Prime Direct Capital.
Speak with a program specialist
Book a consultation to discuss eligibility
Check your loan terms and options
Specialized financing that prioritize deal quality + asset strength over credit scores.
Asset-based lending for real estate investors. Get approved based on property value and deal strength, not credit score.
Short-term financing to bridge the gap between buying and selling. Perfect for time-sensitive transactions.
Complete renovation financing including purchase price and rehab costs. No credit score requirements.
| Feature | Hard Money | Bridge Loans | Fix & Flip |
|---|---|---|---|
| Credit Score | Not Required | Flexible | Not Required |
| Funding Speed | 5-10 days | 7-14 days | 5-14 days |
| Max LTV | 70% | 80% | 90% + Rehab |
| Loan Term | 6-24 months | 6-18 months | 6-18 months |
| Best For | Any Real Estate | Buy Before Sell | Renovation Projects |
Get answers to the most common questions about our no credit score verification loan programs.
Your assets and deal quality matter more than your credit score