12 Month Profit & Loss Loans
* Min. 2 Years In Business | CPA/Enrolled Agent Signed Financials or Letter
✅ 1st Trust Deeds: Up to $6 Million
Purchase | R/T Refi: Max 85% LTV | C/O Max 80% LTV
(Primary, Second, Investment)
✅ HELOCs: Up to 80% LTV | Up to $600K Loan
(Primary, Second, Investment)
✅ Min Score 660 - 760
✅ Purchase | R/T Refi: Up to $6 Million
(Primary, Second, Investment)
* LTV Restrictions based on loan amount
✅ C/O Refi: Up to $4 Million
(Primary, Second, Investment)
* LTV Restrictions based on loan amount
✅ Min. Expense Factor for Service Business: 20%
✅ Min. Expense Factor for Product Business: 40%
1 - 4 Residential Units & Condos
Approved In As Little As
15 Minutes
IT’S EASY WHEN YOU HAVE AN INITIAL APPROVAL
Want to feel good about making a strong offer on your dream home?
Get an initial approval for your loan almost instantly
when you work with independent mortgage professionals like us. Our cutting-edge process lets us do what big banks and retail lenders can’t and give you an initial loan approval in as little as 15 minutes — even on the weekends!
You’ll also enjoy greater transparency so you can gather any paperwork you need ahead of time and make sure your loan goes through as smoothly as possible.
Testimonials
NMLS ID #1416824
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
(NMLS consumer access: https://www.nmlsconsumeraccess.org/_)