CPA Prepared P&L WVOE

This loan program allows self-employed borrowers to qualify using a CPA-prepared profit and loss (P&L) statement and a Written Verification of Employment (WVOE) instead of traditional tax returns. The CPA or licensed tax preparer verifies the borrower’s income and business performance based on current financials. This streamlined documentation method helps qualified self-employed borrowers who may not show full income on tax returns but can demonstrate strong business cash flow and stability. It’s ideal for business owners seeking flexibility, faster approvals, and accurate income representation without extensive tax documentation.