Bank Statements Only — No Tax Returns
12 or 24 months of personal or business bank statements replace W-2s and tax returns entirely. We underwrite your actual cash flow.
Non-QM HELOCClosed-End Second MortgageBank Statement Qualified
Unlock Your Home Equity to Fuel Your Business
No tax returns required. Qualify using 12–24 months of bank statements. Access $50K–$2M+ at rates far below merchant cash advances — secured by the equity you already own.
Program Snapshot
DocumentationBank Statements Only
Tax ReturnsNot Required
Loan Range$50K – $2M+
Rate TypeFixed or Adjustable
Use of FundsAny Business Purpose
Service LanguageEnglish & Spanish
The Problem
Why Most Business Owners Get Stuck
Traditional financing wasn't designed for self-employed South Florida business owners. Here's what you're probably running into.
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Denied by Traditional Banks
Your business is profitable, but the bank said no. Conventional loans require 2+ years of tax returns showing consistent income—ignoring the reality of self-employment.
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Merchant Cash Advances Draining You
MCAs carry factor rates of 1.3–1.5×, translating to effective APRs of 40–350%. Daily or weekly repayments strangle cash flow right when you need it most.
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Tax Returns Don't Reflect Real Income
You maximize deductions—smartly. But those same write-offs make you look less qualified to lenders who only read tax returns. Your bank statements tell the true story.
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Equity Sitting Idle in Your Home
South Florida property values have surged. You may have $200K–$1M+ in home equity you've never tapped—capital that could be working for your business right now.
The Solution
Non-QM Home Equity — Built for Business Owners
A HELOC or closed-end second mortgage backed by your home equity, underwritten on your actual cash flow — not your tax return.
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Rates Far Below MCAs & Online Lenders
Home equity solutions carry single to low-double-digit APRs—a fraction of the cost of merchant cash advances or online business loans.
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Interest-Only Payment Option (HELOC)
A HELOC lets you draw funds as needed and pay only interest during the draw period, keeping monthly obligations low while preserving working capital.
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Use Funds for Any Business Purpose
No restrictions. Restock inventory, buy equipment, make payroll, expand a location, or eliminate expensive high-rate debt.
What Can You Fund?
Your home equity has no restrictions on how you invest it back into your business. Common uses include:
📦 Inventory & product stock🔧 Equipment & machinery👥 Payroll & staffing📍 Expansion & new locations💳 Pay off high-rate MCA debt📣 Marketing & advertisingSide-by-Side Comparison
How Home Equity Stacks Up
See how a Non-QM home equity solution compares to the most common alternatives for business capital.
| Comparison | Merchant Cash Advance | Online Business Loan | Home Equity Solution ★ |
|---|---|---|---|
| Effective APR Range | 40% – 350% | 20% – 40% | Single to low-double digits |
| Repayment Schedule | Daily / Weekly | Monthly | Monthly |
| Documents Required | Bank statements + minimal | Financials + tax returns | Bank statements only |
| Funding Timeline | 1 – 3 days | 1 – 3 weeks | 2 – 4 weeks |
| Typical Amount | $10K – $500K | $25K – $500K | $50K – $2M+ |
Industry averages shown for illustrative purposes only. Actual terms vary based on individual circumstances, credit profile, and equity position. This is not a rate quote.
How It Works
From Consultation to Funded in 4 Steps
Our streamlined process gets South Florida business owners from inquiry to closing with minimal paperwork.
1
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Free Consultation
A 15-minute call to understand your business, your equity, and your goals. No obligation, no pressure.
2
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Bank Statement Review
Submit 12–24 months of bank statements. We calculate your qualifying income based on real cash flow.
3
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Property Valuation
We order an appraisal to confirm your available equity. Most South Florida appraisals are completed within 5–7 days.
4
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Funding
Sign at closing and receive your funds. Most closings complete within 2–4 weeks of the initial application.
Frequently Asked Questions
Common Questions Answered
Everything you need to know before your free consultation.
Ready to Put Your Home Equity to Work?
Fill out the form and one of our bilingual mortgage specialists will reach out within one business day to discuss your situation — no obligation, no hard credit pull for the initial consultation.
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Call or Text
(305) 669-2696🇪🇸 Servicio completo en español. Toda nuestra comunicación disponible en español — desde la consulta hasta el cierre.
Get Your Free Consultation
Lifetime Capital Funding LLC | NMLS #2583712 | Licensed Mortgage Brokerage — State of Florida | ⚖️ Equal Housing Opportunity
Lifetime Capital Funding arranges loans with third-party lenders. We are not a direct lender. Loans subject to credit approval, property appraisal, and applicable state and federal regulations. Disclaimers | Privacy Policy
Lifetime Capital Funding arranges loans with third-party lenders. We are not a direct lender. Loans subject to credit approval, property appraisal, and applicable state and federal regulations. Disclaimers | Privacy Policy