Secure a home loan using your Profit & Loss statements instead of traditional tax returns. ABC United Finance Corp makes financing easier for business owners, freelancers, and independent contractors.
See If a Bank Statement Loan Is a Better Fit. Bank Statement Loan Program
A P&L Loan—also known as a Profit & Loss Mortgage Loan—allows self‑employed borrowers to qualify for a home loan using their business’s Profit & Loss statements instead of W‑2s or tax returns. This program is ideal for entrepreneurs whose tax filings don’t accurately reflect their true income due to deductions or business write‑offs.
With a P&L Loan from ABC United Finance Corp, you can leverage your business performance to secure the financing you need with flexible documentation and competitive terms.
P&L Loans are designed for:
If you don’t have traditional income documentation, a P&L Loan may be the perfect solution.
| Scenario | Borrower Profile | Solution | Result |
|---|---|---|---|
| Contractor with fluctuating income | Self‑employed contractor whose monthly income varies and tax returns show low net income due to write‑offs | Qualifies using 12–24 months CPA‑prepared P&L instead of tax returns | Approved for a mortgage based on actual business performance, not reduced taxable income |
| Business owner with heavy write‑offs | Small business owner who writes off significant expenses, making taxable income appear too low for traditional financing | Uses P&L loan with flexible Non‑QM underwriting focused on gross revenue and business trends | Able to purchase or refinance without needing to amend tax returns or reduce write‑offs |
| Freelancer using CPA‑prepared P&L | Freelancer with multiple income sources and irregular deposits throughout the year | Provides CPA‑prepared year‑to‑date P&L plus prior‑year P&L as primary income documentation | Secures financing with a streamlined process tailored to self‑employed borrowers |
Get flexible P&L‑based mortgage options designed for self‑employed borrowers, freelancers, and business owners.
Start your P&L loan review today.
While requirements vary by lender, P&L Loans typically require:
ABC United Finance Corp helps streamline the process so you can qualify with ease.
This simplified approach helps self‑employed borrowers access financing without the stress of traditional documentation.
⭐⭐⭐⭐⭐ “As a small business owner, my tax returns never reflect my real income because of all the write‑offs. ABC United Finance Corp reviewed my CPA‑prepared P&L instead, and I finally qualified for the home I wanted. The process was smooth and tailored for someone like me.” — Parisa S., Ellicott City, MD
⭐⭐⭐⭐⭐ “I’m a freelance designer with income that fluctuates month to month. Traditional lenders couldn’t make sense of my tax returns, but ABC United Finance Corp used my year‑to‑date P&L to qualify me. They understood my business and moved quickly.” — Renee T., Potomac, MD
A P&L Mortgage Loan allows borrowers to qualify using Profit & Loss statements instead of tax returns or W‑2s.
No. P&L Loans are designed specifically for borrowers who prefer not to use tax returns for qualification.
A CPA or licensed tax professional typically prepares the Profit & Loss statement.
Yes. P&L Loans can be used for both home purchases and refinances.
Not exactly. Both are Non‑QM programs, but P&L Loans rely on Profit & Loss statements, while Bank Statement Loans use business or personal bank deposits.
Get personalized guidance and fast approval with ABC United Finance Corp.
