A different way to review self-employed income.
Eligible bank-statement programs may use qualifying deposits from business or personal accounts as part of the income review.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- Business owners
- Independent professionals
- Contractors
- Self-employed borrowers
- Borrowers with variable income
Common uses
- Purchase review
- Refinance review
- Cash-flow documentation
- Business-owner scenarios
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- Business or personal bank statements
- Business context
- Property information
- Loan amount
- Estimated credit range
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about Bank Statement
General guidance to help you decide what to ask.
Are tax returns never required?
No. Documentation varies by lender and program. Tax returns may still be requested in some scenarios.
Do statement periods vary?
Yes. Requirements vary by lender and borrower scenario, so the period is confirmed during review.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved