Bank Statement Loans
Use bank statements instead of tax returns to show your true earning power — built for self-employed borrowers.
Talk to a Local ExpertWhy self-employed borrowers choose Bank Statement loans.
No tax returns required
Qualify using bank deposits instead of tax returns that don't reflect your true cash flow.
12 or 24-month statement options
Choose the statement window that best represents your business income.
Qualify on deposits, not net income
Business write-offs that lower your taxable income don't work against you here.
Built for business owners & freelancers
Designed for the self-employed, contractors, and gig-economy earners.
Ready to see what your bank statements qualify you for?
Bank statement qualification looks different than a traditional W-2 file. Watch a short walkthrough of the steps, or connect directly with a local expert who works with self-employed borrowers regularly.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about which bank statement program fits your business? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the Bank Statement program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Bank Statement Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
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