CPA Profit & Loss Loans

Starting at 5.75% / 6.19% APR*

Instead of using income documents, we will accept a Profit & Loss Statement from your Accountant.

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CPA Profit & Loss Loan: Program Highlights & Borrower Benefits

Our CPA Profit & Loss Loan is built for self-employed borrowers who don’t want to provide 12–24 months of bank statements but can provide a CPA-prepared Profit & Loss statement to verify income.

Instead of tax returns, we use a CPA-certified P&L to determine qualifying income.

This is designed for business owners who know their numbers — and have clean books.

Family walking in a front door

Program Highlights

Loan Amounts: Up to $5,000,000 (varies on loan to value)

Tax Returns: Never required

Min Credit Score: 680+ (+720 preferred for better terms)

Business History: Typically 2 years self-employed required

Down Payment: Starting at 15% (varies by credit profile)

Property Types: Single family residence, condo, 1-4 units

Occupancy: Owner-occupied, second home, and non-owner-occupied available

Occupancy: Owner-occupied, second home, and non-owner-occupied available

Reserves: 3–12 months depending on loan size and risk profile
No personal tax returns required.
No bank statement review necessary.
Income verified through a CPA.
This program rewards entrepreneurs and business owners who have multiple streams of income and can qualify based on a CPA P&L statement that summarizes all of their revenue streams.

Program Highlights

Loan Amounts: Up to $5,000,000 (varies on loan to value)

Min Credit Score: 680+ (+720 preferred for better terms)

Down Payment: Starting at 15% (varies by credit profile)

Income Documentation: 12 or 24 month is CPA Profit & Loss statement

Tax Returns: Never required

Business History: Typically 2 years self-employed required

Property Types: Single family residence, condo, 1-4 units

Occupancy: Owner-occupied, second home, and non-owner occupied available

Reserves: 3–12 months depending on loan size and risk profile

No personal tax returns required.
No bank statement review necessary.
Income verified through a CPA.
This program rewards entrepreneurs and business owners who have multiple streams of income and can qualify based on a CPA P&L statement that summarizes all of their revenue streams.

How It Works

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Equinox Makes Financing Easy for Business Owners

At Equinox, we work with business owners who understand cash flow but don’t want underwriting digging through every deposit.

We collaborate directly with a CPA to structure the P&L correctly before submission — reducing friction, conditions, and back-and-forth.

The goal isn’t just approval.
The goal is approval with confidence.

We help you present your business income clearly and strategically.

White house on hill

Why Choose a CPA P&L Loan?

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Business owners with clean bookkeeping
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Entrepreneurs who don’t want to provide bank statements
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Borrowers with strong gross revenue but complex tax returns
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Self-employed professionals with consistent annual earnings
9
High-income earners who want streamlined documentation
9
Investors purchasing or refinancing without traditional income docs
If you have a solid CPA and strong books, this program works in your favor.
You built the business.
Now let it qualify you.

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Funded Home Loans

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Answers to Your Questions

What is a CPA Profit & Loss loan?
A CPA Profit & Loss loan is for someone who is self-employed but can’t prove their income. Typically, this borrower has a lot of tax deductions and writes off a lot of expenses; therefore, on paper, the net income is too low to be used for a conventional loan program. Here at Equinox, we have the option to not use your income, and we verify that by using a CPA-verified Profit & Loss statement instead. As long as a homeowner or buyer can demonstrate that they have enough money in the bank to continue making on-time payments, they are qualified for the loan program.
Is My Credit Score a Factor in Getting Approved?
When doing a CPA Profit & Loss loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are, so we can go as low as a 640 FICO score at times. Also, when doing a CPA Profit & Loss loan, we are very easy on past short sales, foreclosures, or derogatory credit. If your financial situation makes sense today, we can lend you the money you need for a CPA Profit & Loss purchase loan or a refinance loan.
What Kind of Loan Terms Do You Offer?
CPA Profit & Loss loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. CPA Profit & Loss loans are available as a 5 Year Adjustable Rate Mortgage, which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest-only payments, which we can do as well, so that you can keep your monthly payments as low as possible.
How Do I Get Qualified?
The process is simple. When most people call us, they are usually skeptical about the program and whether they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many borrowers get the money they need to purchase a new home. First step is to call us, a professional will help consult with you and explain how our programs work in detail. There are many types of programs, and it’s best to speak with us so we can guide you in the right direction.
What Type of Properties Can I Finance?
It depends on the type of loan program you are qualified for. With a CPA Profit & Loss loan program, we can offer this loan on an Owner-Occupied, Second Home, or Investment property. We can lend on single-family residences, condos, and 1-4 unit properties.

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What Are You Waiting For?

Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
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