CPA Profit & Loss Loans
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
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.
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
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
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
Get Approved
Fund
Apply Online
Get Approved
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.
Why Choose a CPA P&L Loan?
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.
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Answers to Your Questions
What is a CPA Profit & Loss loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
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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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