Business owner? You're still approved.
T4 income isn't the only path. Self-employed borrowers can qualify using stated income, bank statements, cash flow, and alternative documentation.
Stated Income Options
Use reasonable declared income when tax returns don't tell the full story.
Bank Statement Programs
12–24 months of deposits can qualify you without traditional T4s.
Business-Use-of-Home
I factor in write-offs and deductions to present your true cash flow.
2-Year Track Record
Established businesses with 2+ years of history get stronger options.
Flexible Down Payments
From 10% down to 35% equity solutions, depending on your profile.
Lender Matching
Access banks, monolines, and alternative lenders that understand entrepreneurs.
A clear path forward
Business Review
Structure, revenue, expenses, and tax filings reviewed.
Income Story
Choose the best proof path: bank statements, GST returns, or financials.
Lender Match
Paired with a lender that gets self-employed borrowers.
Approval & Close
Rate locked, conditions cleared, keys delivered.