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5th Street Capital – Bank Statement Programs

  • Personal Bank Statement Programs
  • Business Bank Statement Programs
  • No Tax Returns Required
  • No Transcripts Required
  • Multiple Accounts Can be Used
  • Combination of Business and Personal Statements Allowed by Exception
  • Additional income deposited into the bank statements (ie; W2 income, alimony/child support) derived from a source other than the self‐employed business may not be included in the bank statement average but can be documented separately


We offer four bank statement program options

Option One: 12 Months Personal Bank Statement Program
Qualifying income:
– 100% of deposits, not including transfers from other personal accounts, averaged over 12-month period.

Option Two: 24 Months Personal Bank Statement Program
Qualifying income:
– 100% of deposits, not including transfers from other personal accounts, averaged over a 24-month period.

Option Three: 12 Months Business Bank Statement Program
Qualifying income is the lower of the following:
– Monthly net income from the P&L
– Income indicated on the initial signed 1003
  • The P&L can be prepared by the borrower or a licensed tax preparer, it should be signed and dated. The P&L should cover the same time period as the bank statements being used for qualifying gross income. For example: bank statements provided are from 7/2017 thru 7/2018 – P&L should cover July 2017 thru July 2018.
  • The monthly gross revenue from P&L must be supported by the business bank statements provided. Total monthly average deposits per bank statements (minus any disallowed deposits) must be within 10% of monthly gross revenue reflected on the P&L

Option Four: 24 Months Business Bank Statement Program
Qualifying income is the lower of the following:
– Monthly net income from the P&L
– Income indicated on the initial signed 1003
  • The P&L can be prepared by the borrower or a licensed tax preparer, it should be signed and dated. The P&L should cover the same time period as the bank statements being used for qualifying gross income. For example: bank statements provided are from 7/2016 thru 7/2018 – P&L should cover July 2016 thru July 2018.
  • The monthly gross revenue from P&L must be supported by the business bank statements provided. Total monthly average deposits per bank statements (minus any disallowed deposits) must be within 10% of monthly gross revenue reflected on the P&L


Wholesale Rate Sheet, Matrix, and most commonly asked questions
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Complete Program Guidelines
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Excel Bank Statement Calculator for your use or simply send us the bank statements to calculate the income for you
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Please contact us at sales@5thstcap.com or 888-702-3385 with any questions