Self-Employed Solutions
Your Tax Return Is Optimized. Your Financing Shouldn't Punish You for It.
You run a profitable business and write off everything you legally can — then a bank calls you 'unqualified' because the net income line looks thin. We underwrite the asset and the real cash flow, not the tax strategy.
No tax returns required. Bank statement programs available. Built for the business owners, contractors, and 1099 earners who actually drive California's economy.
Program Parameters
Self-Employed Solutions
Flexible financing for self-employed borrowers and business owners who don't fit conventional income documentation requirements.
Who We Fund
Financing That Understands How Owners Actually Earn
If your income is real but your documentation is 'non-traditional,' you're exactly who this program exists for.
Business Owners With Optimized Returns
Your CPA did their job — depreciation, write-offs, deferrals. Now the bank says you don't earn enough. We look at the property and the deal, so tax efficiency stops costing you deals.
Bank Statement Qualification
Your deposits tell the real story. Our bank statement programs qualify you on actual cash flow instead of adjusted gross income — no two-year tax return autopsy.
Recently Self-Employed
Banks want a two-year self-employment history. If you left W-2 life last year and your business is producing, we're not going to make you wait two years to invest.
Real Estate Professionals & Agents
Commission income is 'irregular' to a bank — even when it's substantial. Agents, brokers, and investors qualify with us on the strength of the deal, not the pay stub they don't have.
Contractors & Trades Businesses
Seasonal revenue, equipment write-offs, project-based income — everything about a contractor's finances confuses a bank underwriter. None of it confuses us.
Foreign Nationals & ITIN Borrowers
No U.S. credit file doesn't mean no deal. We finance foreign nationals investing in California real estate with asset-based underwriting and straightforward documentation.
The CDF Difference
Why the Self-Employed Close With CDF
No tax returns required — ever, on any program
Bank statement programs that credit your real cash flow
Simplified underwriting: the property and the plan, not the paperwork
Business-purpose loans from $100K to $3M across California
How It Works
From First Call to Funded in 4 Steps
A streamlined process built to close in as few as 7 business days.
Apply
Submit your loan inquiry online or by phone. We respond within 24 hours with an initial assessment and preliminary terms.
Underwrite
Our team evaluates the property and deal structure. We order the appraisal, title, and complete our due diligence.
Approve
Receive your commitment letter and clear closing conditions. We work with your escrow and title to prepare for funding.
Fund
Sign documents and receive your funds. We close in as few as 7 days from completed application. Fast, simple, done.
Common Questions
Self-Employed Loan FAQs
Can I really get a real estate loan without tax returns?
Yes. Our loans are business-purpose loans underwritten on the property's value and the deal structure. Tax returns are not part of our documentation requirements.
How do bank statement loans work?
Instead of tax returns, your business or personal bank statements demonstrate cash flow. Deposits show the real earning power that write-offs hide — and that's what we credit.
I've been self-employed less than two years. Do I qualify?
The two-year rule is a bank convention, not ours. If your business is generating real cash flow and the property supports the loan, recent self-employment is not a barrier.
What are the terms for self-employed borrowers?
Up to 70% LTV, $100K to $3M, terms of 6 to 36 months, rates from 9.99% — the same competitive terms W-2 borrowers get elsewhere, without the documentation battle.
Do you finance foreign nationals?
Yes. Foreign national financing is one of our specializations — no U.S. credit history required, with asset-based underwriting on California property.
How fast can a self-employed borrower close?
The same 7-day capability as every CDF program — simplified documentation actually makes these files faster, not slower. Call (626) 796-1680 for preliminary terms within 24 hours.
Explore More
Related Loan Programs
Tell Us About Your Deal
One call gets you a straight answer and preliminary terms within 24 hours. If we can't do the deal, we'll tell you that too — fast.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms shown are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831