Loan Solutions for Self-Employed & Business Owners
Vinitha A Palaniveloo
NMLS ID 2479838
Powered By Pacific Wholesale Mortgage
As a fellow business owner, I understand your unique financing needs. I specialize in Non-QM, Bank Statement, and P&L loans for purchase, refinance, and renovation—solutions that conventional lenders often overlook.
Specialized Loan Programs
Tailored financing solutions for every type of borrower, especially self-employed & business owners
Non-QM Investment Loans
Flexible financing for real estate investors with non-traditional income documentation.
Perfect for growing your portfolio.
- Flexible income verification
- Multiple properties
- Fast approval process
Bank Statement Loans
Qualify using 12–24 months of business bank statements instead of tax returns.
Ideal for self-employed entrepreneurs.
- No tax returns needed
- Up to 90% LTV
- Purchase or refinance
P&L Statement Loans
Use your Profit & Loss statements to demonstrate income capacity.
Great for business owners with complex finances.
- CPA-prepared P&L
- Competitive rates
- Quick turnaround
Conventional Loans
Traditional mortgage options with competitive rates and terms.
Perfect for W-2 income or standard qualification.
- Low down payments
- Best rates available
- Full documentation
Why Work With me?
As a self-employed business owner myself, I understand the unique the unique challenges you face when seeking financing.
Running your own business requires capital, and traditional lenders often don't
understand your financial picture. I specialize in loans designed specifically
for entrepreneurs and self-employed professionals—whether you need funds to grow
your business, invest in real estate, or purchase your dream home.
Fellow business owner who understands cash flow challenges
Expertise in non-traditional income documentation
Fast approvals with personalized service
Access to multiple lending programs
Simple, Streamlined Process
Getting approved is easier than you think. Here's how we work together.
Initial Consultation
We discuss your goals and financial situation to find the right loan program
Document Review
Submit bank statements, P&L, or standard documentation based on your loan type
Pre-Approval
Get pre-qualified quickly so you can shop with confidence
Close Your Loan
Fast closing process with personalized support every step of the way
Get Started Today
As a self-employed business owner myself, I understand the unique the unique challenges you face when seeking financing.
By submitting this form, you agree to be contacted regarding your loan inquiry
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