Mortgages, cash-out & HELOCs for trade business owners
A plumber grossing $250K can look broke to a bank — the truck, tools, mileage, and Section 179 deductions see to that. Our specialists qualify you on deposits or 1099s. Real revenue, real approval, taxes untouched.
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Two minutes · No credit check · No obligation · No pushy calls
Your specialist shops your file across a 90+ lender network, including
Wholesale and TPO lending relationships available to brokers in the network. All names are trademarks of their respective owners; no endorsement or affiliation is implied.
Deduct a $60K truck, $15K of equipment, mileage, insurance, and the home office and your $250K of real revenue reads as $70K taxable — which is all a conventional underwriter can use. Amending returns to “show more income” costs a five-figure check to the IRS. Deposit-based programs skip the whole problem: 12–24 months of what actually landed in your accounts, times an industry expense factor, is your income.
Bank statement programs read business or personal accounts — card-reader settlements, checks, and deposited cash all count. Seasonal swings average out.
Sub for GCs or builders on 1099s? Those totals qualify you at roughly 90% of gross — no returns.
Twelve months self-employed with prior W-2 trade history opens several programs. Your apprenticeship years count for exactly this.
Working capital, without touching the business
A line against your home equity that funds the next truck, a second crew, or the slow season — qualified on deposits, priced better than equipment financing, and completely separate from your business credit.
Two minutes · No credit check · No obligation
"My tax return says I make $68K. My bank statements say $23K a month. One lender finally read the right document — closed in 20 days."
"Used the HELOC to put a second van and crew on the road. Paid for itself in a season, and it beat the equipment-loan quote by a mile."
"Cash-out consolidated everything from the buildout. Nobody asked why my Schedule C looks the way every contractor's does."
Two minutes · No credit check · No obligation
Yes — that's the entire point of bank statement (deposits) and 1099 (gross contractor income) programs. Deductions never enter the math.
Once it's deposited, yes — statement programs read your accounts. Depositing consistently for 12+ months before applying directly raises your qualifying income.
Often — home-equity pricing usually beats equipment loans, and it keeps your business credit free. A specialist runs both numbers with you.
Usually not — several programs accept 12 months of self-employment with prior W-2 history in the same trade.
Two minutes · No credit check · No obligation