Your business. A clearer income picture.
Bank Statement Loans in Los Angeles
Bank statement loans give self-employed buyers and real estate investors in Los Angeles another way to document income. A lender reviews eligible deposits rather than relying only on income shown on tax returns.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What Are Bank Statement Loans?
Business income does not always fit a tax-return checklist.
A bank statement loan uses a lender’s review of personal or business bank statements to help calculate qualifying income. Deposits are reviewed for their source and consistency; transfers and other ineligible deposits may be excluded.
Business expenses, ownership, credit, available funds, and the property still matter. The Funding Clinic helps you compare documentation options with our lending partners.
02 / See how it fits
Who This Is For
- Self-employed borrowers and business owners
- Investors who write off a lot on their taxes
- Gig workers and freelancers with steady deposits
- Borrowers who were told no because of tax returns
What You May Need
Requirements vary by lender and program. Common items to discuss include:
- A signed loan application
- Recent personal or business bank statements
- Photo ID
- Proof of your business, like a license or business entity papers
- Information about the property
03 / Your local investment
Serving Los Angeles and Nearby Cities
Buying a Los Angeles investment property while running a business? Start with how you receive income and whether you use personal or business accounts. That helps us discuss the right documentation before you gather a full file.
- Los Angeles
- Inglewood
- Culver City
- Beverly Hills
- West Hollywood
- Santa Monica
- Glendale
- Burbank
- Pasadena
- East Los Angeles
- Hawthorne
- Compton
- Alhambra
See all our Los Angeles loans or see all areas we serve. Investing outside Los Angeles? See Bank Statement Loans in other states.
04 / A little clarity
Questions We Hear a Lot
How do bank statement loans work?
The lender reviews eligible deposits in personal or business bank statements and applies its method for calculating qualifying income. It also reviews credit, funds, business details, and the property. The statement period and expense treatment depend on the program.
Are bank statement loans no-documentation loans?
No. You still need income documentation and supporting application details. The difference is how the lender evaluates your income, not whether you document it.
How many months of statements will I need?
The required statement period varies by lender and loan program. We can help confirm the period and account types needed for your application.
Can I use a bank statement loan for an investment property?
Investment-property options may be available through our lending partners. Eligibility depends on the property, occupancy, income documentation, and lender requirements.
05 / Explore your options
Related Loan Options
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM