Stated Income Business Loan: Qualify on Your Deposits

Skip the tax returns and income docs. We look at the money moving through your business bank account — send statements, get a real answer, and get funded in as little as 24 hours.

What a "stated income" business loan really means here

Traditional "stated income" loans let a borrower claim an income figure with little or no proof. That is not what this is, and we will not pretend otherwise. A stated income business loan through Quick Biz Capital is deposit-based funding: instead of tax returns, P&L statements, or income verification, we qualify you on the actual cash flowing through your business bank account.

The distinction matters. Your income is not "unverified" — it is verified a different way. We read your recent bank statements and look at real deposits: how much comes in, how steady it is, and whether the account supports the payment. No pay stubs, no tax returns, no accountant letters. Just the money your business actually moves.

If you have solid deposits but messy or low reported income on paper, this is usually the fastest path to capital.

How the deposit-based approval works

The process is built around your bank activity, not your paperwork:

• You send bank statements. Usually your three to six most recent months of business checking.
• We read the deposits. We look at monthly revenue, consistency, and how many days the account runs low.
• We size the offer to the cash flow. The amount and terms fit what your deposits can comfortably support — from $10,000 up to $5,000,000. We never fund under $10,000.
• You review and sign. Clear numbers before you agree to anything.

Because there are no tax returns or income docs to chase, the file moves quickly. Checking your options is a soft credit pull, and a FICO of 500 or higher is workable — we care more about the health of your deposits than the number on your credit report. No collateral is required for working capital.

A real, honest example

Say your business runs $40,000 a month through its checking account. That's roughly $480,000 a year in deposits. Even if your tax returns show little profit after write-offs, those consistent deposits are what we underwrite. A business with that kind of steady flow can typically qualify for a meaningful working-capital amount — sized to the deposits, not to a number you'd have to prove with returns you may not want to hand over.

Your actual offer depends on your real statements. But the principle holds: strong, steady deposits open the door, even when your paper income doesn't.

Who this is a good fit for

• Owners who write off heavily and show low net income on tax returns
• Newer businesses without a full set of filed returns yet
• Cash- and card-heavy businesses with strong deposits but thin profit on paper
• Anyone who wants to skip the document hunt and get a fast answer on deposits

This works across every industry — retail, trucking, restaurants, construction, medical, services, e-commerce, and more. If money moves through a business bank account, we can look at it.

Straight answers

Is this a no-income-verification business loan?

Not in the "no proof" sense. We don't ask for tax returns or income docs, but we do verify income through your bank statements. It's deposit-based, not unverified — and we're upfront about that.

How many bank statements do I need?

Typically your three to six most recent months of business checking. That's usually all it takes to get a real decision.

Will checking hurt my credit?

No. Seeing your options is a soft pull, so it won't affect your score. FICO 500+ is generally fine.

How fast can I get funded?

Fast once you're qualified. If you send statements and return a signed agreement before early afternoon ET on a weekday, same-day funding is possible. Fridays typically fund the following Monday.

How much can I get?

From $10,000 to $5,000,000, sized to what your deposits support. We never fund under $10,000.

Do I need collateral?

No collateral is required for working capital.

Ready to qualify on your deposits?

If your bank statements show steady money moving through the business, you likely have real options — no tax returns needed. Apply now, send your recent statements, and get a straight answer on what your deposits can do.