Commercial & SBA Loan
Commercial Bank Statement
For business owners buying or refinancing small-balance commercial property. Use business bank statements, an alternative documentation path, in place of full financial statements and tax returns.
- Income shown byBusiness bank statements
- PropertyCommercial, business purpose only
- SizeSmall-balance commercial loans
- PurposePurchase or refinance
How It Works
Your business deposits tell the story.
Full commercial underwriting can require years of tax returns and financial statements. A commercial bank statement loan uses the deposits in your business accounts to show the business's cash flow, along with the property's value and your credit.
- 01
We review the property and your business
We look at the property, how it will be used and how your business shows its income, and confirm the loan is for business purposes.
- 02
The lender reviews your statements
Most programs review several months to two years of business bank statements, along with a commercial appraisal and a credit review.
- 03
We compare commercial lenders
Commercial bank statement programs differ by property type, loan size and terms. We shop the deal and explain the trade-offs.
Program Highlights
Why business owners choose commercial bank statement loans.
- Business bank statements used in place of full financials
- Alternative income documentation for small-balance commercial properties
- Supports purchase and refinance
- For owner-occupied business property or commercial investment property
- Business purpose only, not a home you live in
- Lenders still verify the business's ability to repay
Common Questions
What business owners ask about commercial loans.
A commercial bank statement loan finances commercial property using business bank statements to show cash flow, instead of full financial statements and tax returns. It is a business-purpose loan for commercial property, typically with smaller loan amounts.
Requirements vary by lender and property type. Expect a review of your business's cash flow, a commercial appraisal, a down payment, your credit and, for this program, business bank statements. Lenders also want to see that the business is established and active.
A commercial real estate loan finances property used for business or investment, such as office, retail, industrial or mixed-use space. It is underwritten mostly on the property and the business, and it is not for a home you live in.
Often, yes. Many programs finance property your business will occupy, as well as commercial investment property. If your business will occupy the property, an SBA 504 or 7(a) loan may also be worth comparing.
A residential bank statement loan finances homes, including a primary residence, and follows consumer mortgage rules. A commercial bank statement loan finances commercial property for business purposes, with commercial terms, appraisals and underwriting.
Commercial terms vary widely from lender to lender, and each one prefers different property types and deal sizes. A broker shops the deal across many lenders at once, so you can compare structures side by side.
General information only, not a commitment to lend. Loan programs, guidelines, interest rates and terms are subject to change without advance notice.
Related Programs
Shop your commercial deal across our lender network.
Tell us about the property and your business. We will compare commercial lenders and show you what it takes to close.