Can I use business or personal bank statements?

Yes. We accept either depending on your business structure.

What’s the minimum credit score?

Typically 620+ depending on LTV.

Are self-employed borrowers eligible?

Yes, this program is designed for self-employed and 1099 borrowers.

Can I use this for investment properties?

Yes, for non-owner-occupied properties nationwide.

How long does it take to close?

Usually within 3–4 weeks after full submission.

Bank Statement / Alt-Doc Loans

Flexible Documentation Loans for Self-Employed Borrowers

Creare Capital Lending’s Bank Statement & Alt-Doc Loan Programs are perfect for self-employed borrowers and business owners who want to qualify using bank deposits instead of tax returns.

We analyze 12–24 months of business or personal bank statements to calculate income—providing a flexible, common-sense approach for entrepreneurs and investors.

Program Highlights

Loan Amounts: $150K – $5M

Up to 85% LTV

12–24 Month Bank Statements

30-Year Fixed or ARM Options

Interest-Only Available

No Tax Returns Required

Foreign Nationals Eligible

Frequently Asked Questions (FAQ)

Can I use business or personal bank statements?
Yes. We accept either depending on your business structure.
What’s the minimum credit score?
Typically 620+ depending on LTV.
Are self-employed borrowers eligible?
Yes, this program is designed for self-employed and 1099 borrowers.
Can I use this for investment properties?
Yes, for non-owner-occupied properties nationwide.
How long does it take to close?
Usually within 3–4 weeks after full submission.

APPLY NOW