Tech Founders & Consultants— Your Bank Statements Are Your Income
You're building the future. Your income is variable, your equity is illiquid, and your tax returns are optimized for savings, not mortgage qualification. Bank statement loans see what traditional lenders miss.
Silicon Valley Moves Fast
Los Altos and Saratoga homes sell in days, not weeks. Get pre-approved now so you can compete with all-cash buyers.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"Silicon Valley is full of brilliant people whose income doesn't fit in a box. Startup founders paying themselves $1 while building billion-dollar companies. Consultants with variable income. Engineers with stock-heavy compensation. Bank statement loans and asset depletion are built for exactly this market."
Why Silicon Valley Buyers Choose Bank Statement Loans
Startup Founders
You're pre-revenue or reinvesting every dollar. Your tax returns show losses while your company is worth millions. Bank statements show the real cash flow.
Tech Consultants
$500/hour consulting rates, variable project income, aggressive write-offs. Your bank deposits tell a different story than your Schedule C.
Stock-Heavy Compensation
RSUs, ISOs, ESPP—your wealth is in equity, not W-2 income. Asset depletion lets your portfolio qualify you for that Los Altos Hills estate.
Bank Statement Loans
- 12 or 24 month bank statements
- Loan amounts up to $5M+
- No tax returns required
- 50% expense ratio (or CPA letter)
- Personal or business statements
Asset-Based Qualification
- Qualify using liquid assets
- Loan amounts up to $10M+
- No employment verification
- Stocks, bonds, retirement accounts
- Vested stock options (varies)
Recent Silicon Valley Closings
AI startup founder. $1 salary, $50M valuation. Bank statements showed $85k/month in deposits from consulting. Closed in 26 days.
Retired Google exec. $15M in RSUs, minimal taxable income. Qualified using asset depletion. Closed in 28 days.
Tech consultant, 10+ clients. Variable income, aggressive deductions. 12-month bank statements showed $42k/month average. Closed in 24 days.