150+
Wholesale lenders shopped
Bank Statement · 1099 · P&L · DSCR Mortgages
Mortgages for small business owners. Qualify on your real income.
Self-employed, paid on a 1099, or a business owner with heavy write-offs? You don't need two years of tax returns to qualify. We look at what your business actually brings in.
- Qualify on 12 or 24 months of bank statements, no tax returns used for income
- 1099-only, CPA-prepared P&L, and asset-based options too
- Write-offs won't sink your file: lenders count deposits, not deductions
- One application, 150+ wholesale lenders shopped for your best fit
Soft check · About 60 seconds · No impact to your credit score
See if you qualify
Takes about 60 seconds. No credit pull to start.
Secure · Soft check only · No obligation
$0
Tax returns used for income*
5
Ways to prove income
0
Branch visits required
Self-Employed Loan Programs
Three ways to prove you're good for it, without the tax-return runaround
Non-QM mortgage programs built for how business owners actually earn. Pick the one that fits, or let us match you.
Most popular
Get qualified on deposits, not deductions
Lenders average 12 or 24 months of personal or business bank statements to build your qualifying income.
- 12 or 24 month statement options
- Personal or business accounts
- No tax returns used to calculate income
- Primary, second home, or investment
Contractor and commission income, simplified
Qualify using 1099 forms, ideal for independent contractors, real estate agents, consultants, and freelancers.
- Qualify straight from your 1099s
- A set expense ratio, not your full Schedule C
- Great for agents, consultants, and creators
- W-2 plus 1099 combinations welcome
A CPA-prepared P&L can be enough
Established business owners can qualify on a profit and loss statement prepared by a CPA or tax preparer.
- Qualify on a P&L, often without full returns
- A clean path for established businesses
- 12 or 24 month P&L options
- Some lenders pair it with limited statements
Investors
Buy rentals on the property's cash flow
Debt service coverage ratio loans qualify you on a rental's income, not your personal tax returns.
DSCR Loans Asset DepletionLet your liquid assets do the qualifying
Asset depletion loans turn eligible savings, investments, or retirement funds into qualifying income.
Asset-Based LoansBuying or refinancing commercial property? Offices, retail, warehouses, your own business's building, and fix and flips are handled by Matador Funding, Matador's business-purpose lending arm.
Why smart tax planning shouldn't cost you the house
Traditional loan: qualifying income after write-offs$41K
Bank statement loan: qualifying income on deposits$138K
Illustration: $23,000 average monthly business deposits with a typical 50% expense factor, compared with $41,000 of taxable income on the same owner's return. Your CPA lowers your taxable income; a traditional lender uses that lowered number. A bank statement lender looks at the money actually moving through your business.
The self-employed mortgage penalty
You didn't do anything wrong. The old rules just don't fit you.
Self-employed borrowers get turned down all the time, usually because write-offs make a great business look like a low income on paper. Non-QM lending fixes the math by qualifying you on deposits, 1099s, or a P&L.
- Keep your deductions and your buying power
- No amending returns or add-back gymnastics to qualify
- Loan officers who speak "small business," not just W-2
Who We Help
Mortgages for every kind of small business owner
If you sign the front of the paycheck instead of the back, this is for you.
LLC and S-corp owners
You pay yourself a modest salary, take distributions, and let depreciation and expenses do their job at tax time. Bank statement and P&L loans look past the K-1.
Sole proprietors and Schedule C filers
Restaurants, shops, salons, agencies, and service businesses where the Schedule C net is a fraction of real cash flow.
1099 contractors and consultants
IT consultants, project managers, designers, and freelancers paid by clients on 1099s.
Real estate agents and brokers
Commission income with heavy marketing, vehicle, and travel write-offs. Qualify on your 1099s or deposits.
Contractors and the trades
Builders, remodelers, electricians, HVAC, and landscaping owners with equipment depreciation and lumpy deposits.
E-commerce and online sellers
Amazon, Shopify, and marketplace sellers whose payouts run through business accounts.
How It Works
From "will I even qualify?" to keys in hand
01
Tell us about you
A 60-second form. No tax returns, no credit pull to start.
02
We shop 150+ lenders
Your Matador loan officer matches you to the right program and pricing.
03
Simple documentation
Upload bank statements, 1099s, or a P&L from your phone. We handle the rest.
04
Close with confidence
E-sign, track progress, and close on the home your business earned.
Powered by Matador Lending
A broker in your corner, with more options than any bank
Small Business Mortgages is powered by Matador Lending, a Houston-based independent mortgage broker. Because we're a broker, we're not stuck selling one product. We shop 150+ wholesale lenders to find the self-employed program that actually fits you, then advocate for you all the way to closing.
150+
Wholesale lenders, one application
5
Ways to document income
#2072896
Company NMLS, verify anytime
HTX
Local Houston office
Resources
The self-employed home buying playbook
Straight answers to the questions business owners ask before they apply.
Basics
Mortgages for small business owners: how to qualify on your real income
The complete guide to mortgages for small business owners: why tax returns undersell you, which programs use your real income, and how to prepare a strong file.
Qualifying
Do tax write-offs affect your mortgage? How deductions change what you qualify for
Your write-offs save you money in April but can shrink what a lender counts. Here is how deductions affect your mortgage and the programs that look past them.
1099 & Contractors
The 1099 mortgage guide for independent contractors
Paid on a 1099? Here is how a 1099 mortgage works, how lenders read your income, and what to have ready before you check your options.
FAQ
Self-employed mortgage questions, answered
Can I get a mortgage if I'm self-employed?
Yes. Self-employed borrowers can qualify with traditional tax-return loans, or with non-QM programs that use bank statements, 1099s, a CPA-prepared P&L, liquid assets, or a rental's cash flow. We compare both paths on your file.
Why do business owners get turned down for mortgages?
Most banks qualify you on the taxable income after write-offs on your tax return. Smart tax planning can make a healthy business look like a low income on paper. Non-QM programs fix that by looking at deposits, 1099s, or a P&L instead.
Do I need tax returns?
Not for income on bank statement, 1099, P&L, asset-based, or DSCR programs. Those use other documents to calculate income. Some lenders may still ask you to sign a standard IRS form or show proof of self-employment.
Will checking my options hurt my credit?
No. Our prequalification form doesn't pull your credit. A full application later requires a credit report, and we'll tell you before that happens.
Why use a broker instead of my bank?
A bank can only offer its own programs. Matador Lending is an independent mortgage broker with access to 150+ wholesale lenders, including non-QM specialists. We shop your scenario and tell you plainly which option fits.
Do you offer commercial loans for business property?
Yes, through Matador Funding, Matador's business-purpose lending arm. Small Business Mortgages focuses on home loans: primary homes, second homes, and residential investment properties. For an office, warehouse, retail space, your own business's building, or a fix and flip, use our commercial loan inquiry form and we'll send your request to Matador Funding, or visit matadorfunding.com.
*Tax returns are not used to calculate income on bank statement, 1099, P&L, asset-based, and DSCR programs. More answers
Find out what you qualify for in about 60 seconds
No tax returns. No credit pull to start. Just a straight answer from a broker who works for you.
Equal Housing Opportunity · NMLS #2072896 · Powered by Matador Lending