P&L Loans: The Ultimate Fast-Track for Business Owners

The Trustworthy Partnership.

Qualify with a Simple Statement from Your CPA

For the business owner whose time is their most valuable asset, the P&L (Profit and Loss) Loan is often the best path to homeownership. Instead of digging through a year’s worth of bank statements or waiting for tax season to end, we qualify you based on a P&L statement prepared by your accountant.

Why Choose a P&L Loan?

The beauty of this program lies in its simplicity. If your business is currently thriving, your 2024 or 2025 tax returns might not reflect your current success. A year-to-date (YTD) P&L captures your business as it stands today.

Key Advantages

  • Minimal Documentation: No tax returns. No W-2s. Just a P&L signed by a professional.
  • Recent Income Growth: Perfect if your business had a “breakout year” and your previous tax returns show lower income.
  • High Loan-to-Value (LTV): Available for primary residences, second homes, and investment properties.
  • Fast Approval: Underwriters can review a single P&L much faster than hundreds of pages of bank statements.