Commercial Loans Without Tax Returns
Self-Employed Welcome
Can't show income on paper? Write off too much? Bank said no?
We approve based on your property — not your tax returns or credit score.
Some programs offer rates below bank rates with terms up to 30 years. Our hard money programs approve on the asset alone — no tax returns, no credit check required.
If the Bank Said No Because of Income — We Can Help
Banks need 2 years of tax returns and clean income. Most self-employed borrowers can't show that — and banks won't budge. We work differently.
📄 No Tax Returns
We don't require 2 years of personal or business returns. Asset-based approval — the property is your qualification.
💼 Self-Employed OK
Write off everything and show low income? That's fine. We look at what you own, not what your returns say you earn.
💳 All Credit Welcome
Under 600, past bankruptcy, no credit history — we've funded borrowers banks won't talk to.
⚡ Same-Day LOI
Letter of intent the same day you call. No weeks of underwriting. Fast closings.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get started.
🏚 All Property Types
Office, retail, warehouse, multifamily, mixed-use, land, construction. Texas statewide.
📈 Beat the Bank — Rate & Term
Some programs offer interest rates lower than many banks — AND terms up to 30 years fully amortized. Better rate, longer term, no balloon payment.
Loan Programs — No Income Documentation Required
Every program below closes without tax returns or W-2s.
Stated Income Loans
You state your income — we don't verify it. Approval based on property value and equity.
No-Doc Commercial Loans
Zero income documentation. Asset-based underwriting. Fast close.
Hard Money Loans
Short-term asset-based financing. No income, no tax returns, all credit. Up to 70% LTV.
DSCR Loans
Qualify on the rental income of the property — not your personal income. Up to 30-year fixed terms.
Cash-Out Refinance
Pull equity from commercial property without showing income or tax returns.
Bridge Loans
Short-term no-doc financing to close fast while permanent funding is arranged.
Who This Is For
If any of these sound like you, call us today.
Self-employed borrower with too many write-offs — income looks low on paper
Real estate investor who doesn't want to show personal income
Business owner turned down by a bank for lack of documented income
Borrower with bad credit who has equity in a commercial property
1099 contractor or gig worker who can't show W-2 income
Broker with a self-employed client banks won't touch — we pay referral fees
Common Questions
What borrowers ask before calling.
Searching for a stated income commercial loan near me?
Yes — we're a Texas direct lender serving borrowers statewide since 1998, not a broker or referral service. Houston, Dallas, San Antonio, Austin, and every county. If you need a stated income or no-tax-return commercial loan near you, call us or apply online — same-day LOI, no upfront fees.
What's the difference between stated income and a regular commercial loan?
A bank loan requires 2 years of tax returns, W-2s, and documented income — and takes 60–90 days. A stated income loan lets you declare your income without verification. We approve based on the property's value and cash flow, not what your returns say you earn.
Do I need good credit?
Not on most programs. Hard money is fully asset-based — no credit check. DSCR and stated income programs are flexible. Under 600, past bankruptcy, or no history — call us and let's look at your property.
How fast does it close?
Same-day LOI once we review your property. Closings typically run 2–4 weeks — far faster than the months a bank takes.
Get Approved Without Tax Returns — Call Today
Same-day LOI. No upfront fees. Direct lender since 1998.
We fund what banks won't.
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