Self-Employed & Business Owners
You built a business. That should count for you, not against you.
Bank policy for self-employed income varies wildly — turnover methods, statement periods, audit thresholds. We place your file where it reads strongest.
We speak credit-team
One bank takes 12% of turnover as income, another 10%, another your customer share. The same business can qualify for very different amounts — placement is everything.
Audited financials only when needed
Below certain loan sizes, several banks accept statements alone. We route accordingly and save you the audit fee.
Mainland, free zone, offshore
License type changes the document list, not your eligibility. We've placed all three.
How it runs
- 1Business snapshot call
- 2Statement review
- 3Bank-fit analysis
- 4Pre-approval
- 5Purchase or refinance
Asked often
How is my income calculated?
Most banks derive it from company turnover (10–12% typically) or your share of net profit, evidenced by 12 months of statements. We calculate it every bank's way and show you the spread.
Minimum trading history?
Generally 12–36 months depending on the bank. Newer businesses have options too — ask us before assuming you don't qualify.
Ready when you are.
A 15-minute conversation. No documents, no pressure, no obligation. Just clarity on your options.