Independent Professional & Business Owners

At People Capital Finance, we specialize in helping independent professionals and business owners who don’t fit the traditional lending mold. We know that tax returns often don’t tell the whole story—especially when smart entrepreneurs reinvest in their businesses or use strategic write-offs. That’s why we take a common-sense, big-picture approach, looking beyond standard paperwork to understand the real strength of your income and assets. With flexible programs designed specifically for self-employed borrowers, we offer creative solutions and a smooth, respectful process that gets deals done without the usual roadblocks. 

• All pre-qualifications are performed by experienced, in-house professionals, usually within 24 hours

• Highly competitive rates and unsurpassed funding times

• No one-size-fits-all calculations

• LTV up to 90%

• Loan amounts up to $3,500,000

• Business bank statements and personal bank statements permitted

• Borrower does not have to be 100% owner of the business

• W-2 with Bank Statements combinations allowed

• P&L statements NOT required

• Multiple business bank accounts acceptable