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Closing Through a Complete Business Restructure
A married couple rebuilding under a new holding company couldn't qualify through traditional lenders. Using a Bank Statement loan across multiple business accounts, our loan officer Cesar pieced together the income story and got them to the closing table.
Multiple
Business Accounts Used0
Tax Returns RequiredCPA Letters
The Documentation That Unlocked It81%
Our Approval RateThe Challenge
Why Traditional Lenders Couldn't Make It Work
This borrower scenario had nearly every complexity a lender could encounter. The couple owned and operated a wholesale business structured across two separate LLCs. In the middle of their loan process, they had merged both entities, dissolved them, and consolidated everything under a newly formed holding company — with the original LLCs continuing as DBAs under the new structure.
For traditional underwriting, this was a non-starter. The new business bank account had only 8 to 10 months of history. The prior account remained open without formal closure documentation. And on paper, the business looked brand new — with no clean trail showing continuity of income, ownership, or operations.
This is the wall that self-employed borrowers hit when their real-world business decisions don't fit neatly into a W-2 world. The income was real. The business was thriving. But the paper trail told a confusing story.
The Solution
What Made the Deal Work
Rather than asking underwriting to interpret a complicated two-borrower file with an entity transition mid-stream, Cesar simplified the structure strategically: keeping only the wife on the loan reduced the number of variables and conditions underwriting needed to evaluate.
From there, income was reconstructed using both the new holding company account and the prior business accounts together, establishing a clear picture of continuity across the transition. The critical piece was a set of detailed CPA letters that explicitly documented the entity changes, the ownership structure, and the uninterrupted continuation of business operations — giving underwriters the confidence to approve based on what the business actually was, not just what the paperwork appeared to show.
This is exactly what a Bank Statement loan program is built for: flexible income analysis that meets real business owners where they are, not where a tax return says they should be.
A Fast Close, Immediate Liquidity, and a Preserved Strategy
2 weeks
Application to CloseEquity Secured
Home equity fully unlockedExpansion Ready
Capital to scale operationsTax Strategy
Preserved without disruptionA Similar Situation? Let's Talk.
If traditional lenders have turned you away, there may still be a path forward. We specialize in finding solutions for self-employed borrowers and business owners — and we approve 81% of loans others decline.