Bank statement loan min borrower ownership of business

Minimum Borrower Ownership for Bank Statement Loans

The minimum borrower ownership of a business required for a bank statement loan is typically 25%, but it can vary by lender and program.

Here’s a breakdown by lender:

Lender	Minimum Ownership Requirement	Additional Notes
Arc Home	25%	Applies to programs like Edge Alt Income and Access Alt Income. Ownership percentage is used to calculate qualifying income.
A&D Mortgage	25%	Verification of ownership through third-party documentation is required.
AmWest	100% for personal bank statements; 100% or self-employed for business bank statements	Borrowers must meet self-employment requirements and provide necessary documentation.
Champions Funding	25%	Applies to business bank statement loans under the Activator – FULL & ALT-DOC program.
Change Wholesale	25%	Applies to self-employed borrowers using business bank statements.
FundLoans	20% for personal bank statements; 50% for business bank statements or P&L Only	Borrowers with less than 20% ownership may be considered case-by-case. Ownership must be verified through documents like operating agreements or CPA letters.
Angel Oak	50% for business bank statements; 25% for personal bank statements	Ownership verification is required.
BluePoint Mortgage	25%	Applies to business bank statements with a fixed expense ratio. Sole owners/operators may qualify for a lower expense factor.
Brokers First Funding	25%	Applies to business bank statement loans.
Axos Bank	25%	Applies across multiple programs like ALT DOC EXPRESS and Expanded Non-QM. Documentation such as CPA letters or business licenses is required.

If you have a specific lender or program in mind, let me know, and I can provide more detailed information!