Why should you get a bank statement loan with Beeline?
Across Illinois, we approve you on real cash flow — the trades, freelance and small business included — not a tax return.
Apply in 10 minutes
Fast, stress free closing
Purchase with confidence
Qualify with irregular income
Min 660 credit score
Future-proof your rate with a free refi*
Lock in your Illinois home today with a speedy closing, and rest easy knowing you've got a free refi* waiting for when rates fall.
*Terms and conditions here
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Hundreds of happy homeowners
Self-employed in Illinois? Your tax return doesn't tell your real income story
Apply in less than 10 minutesBank deposits for incomeFor self-employed and gig workers
Built for Illinoisans
The more options on the table, the better the fit for your Illinois purchase
- Minimum 20% down payment
- At least 2 years’ self-employment
- For primary, second and investment
- Traditional lenders want two clean years of tax returns. Most Illinois business owners don't work that way. We look at 12-24 months of bank deposits or 1099 income instead — often unlocking a bigger loan than a tax return would allow.
Watch how fast 10 minutes really is in Illinois
All over Illinois, self-employed buyers are skipping the paperwork — see how fast it goes.