If you’re self-employed or an investor, you’ve probably heard this before…
You don’t show enough income.
Your credit doesn’t fit our guidelines.
We can’t use that type of income.
YOU WON’T HEAR THAT FROM INDYBANC
IndyBanc is a national mortgage firm dedicated to the self-employed and the modern business owner.
While traditional institutions are bound by rigid two-year tax return requirements, IndyBanc transcends conventional lending boundaries. We provide specialized underwriting paths utilizing alternative income verification to accommodate the unique financial profiles of business owners and investors such as:
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IndyBanc works exclusively with self-employed business owners and entrepreneurs, including:
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Real stories from real clients who trusted IndyBanc when others said no.
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Frustrated by slow approvals? The problem may not be you; it is in the way your file was structured, and you may have applied to the wrong lender.
Whether you are buying, refinancing, or investing, property financing requires strategic positioning. Many self-employed borrowers face challenges due to complex income and tax situations.
Eligible Property Type: 1-4 families, mobile or manufactured homes with foundations, condos, farmhouses, and more...
1 year tax return
2 years tax returns
12–24 months bank statements, personal or business accounts
12–24 months P&L statements
Gig Qualifier for 1099 freelancers or independent contractors
Investment property’s Income And more…
Get an instant rate in 2 minutes or less! If you are an investor who is looking to buy discounted properties, fix them up, and sell/flip them within 12 months (or keep them for income), then consider our fix and flip bridge loans for the capital you need. With attractive rates and up to 90% Purchase & 100% of the Rehab Costs, these loans are a great way to start expanding your real estate projects and wealth.
We place your loan with the lender whose guidelines fit your project and profile, helping you avoid delays or rejections
Finance non-owner-occupied properties for renovation and resale
Fund up to 90% of purchase and 100% of rehab costs
Short-term loans (12–36 months) repaid from the sale of the property
Lending available to individuals, corporations, and trusts
No tax returns or pay stubs required
No credit is required for foreign nationals
In real estate, a bridge loan "bridges" the gap between buying a new property and selling your current one. Instead of risking the loss of a property by making an offer contingent on sale, you use the equity in your current property to fund the down payment and purchase. It allows you to move quickly and make a stronger, non-contingent offer. The loan is typically repaid once the original property is sold.
Our team can guide you through this process efficiently.
All investment property types including raw land and development projects.
Loan Size: $100,000 to $100,000,000
LTV (Loan to Value) up to 80%
Loan Term: 6 months or 1 Year
Interest Only Option
No Pre-Payment Penalty
Cross Collateralize for Maximum Loan Amount
Self-employed borrowers often face hurdles with complex bank rules, strict credit and documentation requirements.
IndyBanc saves you time and money by accurately structuring and placing your file with the lenders most likely to approve your loan with favorable terms, minimal requirements, and fast closing.
Whether you are buying, refinancing the rate, or cashing out, our team will handle the process from beginning to closing and will work with your lawyers, realtors, and the seller’s side if need be.
Owner and Non-Owner-Occupied Properties
Residential 5-8 units, apartment buildings, Self-storage, office buildings, warehouses, retail centers, mobile home parks, restaurants, laundromat, mixed-use, industrial, land, special-purpose, hotels/motels, marinas, gas stations, and more…
Loan sizes from $100,000 to $5,000,000.
Down payment from 10% to 35% depending on the property
Private Money Lenders focus on funding Equity-Based deals fast through custom designed financing structures for Residential, Multi-Family, Land, Commercial and Construction loans.
IndyBanc partners with nationwide Private lenders who believe in "Make Sense" underwriting rather than just looking at ratios and numbers. They have flexibility banks don't have, they see opportunities where banks see problems and they work relentlessly to get your funding fast!
Purchase Money
Refinance or Cash out (No Cap)
LTV up to 70% (higher possible case-by-case); loan terms: 1–7 years
Interest only or amortized over 30/40 years; rates from 7.99%–11.99% risk-based; no prepay penalties in most cases, interest-only option available
Cross-collateralization allowed on higher loan amounts.
This loan is designed for individuals who may not meet the qualifications for a traditional mortgage due to the absence of an SSN or credit report.
Whether applicants are employed within the United States or internationally, IndyBanc can facilitate financing for their non-owner-occupied investment property purchase.
IndyBanc is an Equal Opportunity Broker. We conduct business in accordance with Federal Fair Lending Laws and the Equal Credit.
Minimum loan amount $100,000
Investment Properties only (1-4 families, condo Hotel, Property up to 2-acres, not meeting the rural definition, and more.
75% MAX LTV – Purchase (up to $1,000,000)
65% MAX LTV – Rate and Term Refi (up to $1,000,000)
65% MAX LTV – Cash out Refi (up to $1,000,000)
Up to $1,500,000 loan amounts (reduce 5% from the numbers above)
No Income, No Job, No US Credit Required
Navigating land acquisition and construction financing requires more than just a project plan, it requires a precision-engineered financial narrative. At IndyBanc, we specialize in the complex architecture of development loans. From raw land to final construction, we take the burden of documentation off your shoulders. By expertly organizing your numbers and structuring your files to meet rigorous lender standards, we clear the path for approval. We don’t just find you a lender; we secure the funding and favorable terms that keep your project moving forward.
Land Acquisition Loans: Specifically for buying land without immediate building plans, often requiring larger down payments due to higher risk.
Land Development Loans: Fund site improvements like clearing, leveling, and utility installation.
Acquisition & Development (A&D) Loans: Combine purchasing land and making improvements.
One-Time Close Loans: Combine acquisition, development, and construction into a single loan, converting to a permanent mortgage upon completion.
Frustrated by slow approvals? The problem may not be you; it is in the way your file was structured, and you may have applied to the wrong lender.
Ground-up construction and renovation financing can be complex, especially for self-employed borrowers. INDYBANC evaluates your project, income, and financials to structure your loan for approval. We place your loan with the lender whose guidelines fit your project and profile, helping you avoid delays or rejections.
Loan amounts from $95,000 to $5,000,000
Loan amounts from 75% to 85% of loan to cost
Cross collateralization allowed on other properties, if needed, for maximum or greater loan amounts.
Land purchase may be included in the construction loan, up to 75% of the lot purchase price
Fast pre-qualification, typically within 3 – 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if certain criteria is met)
Owner occupied and non-owner occupied
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SBA loans are designed to help small businesses access affordable, long-term financing backed by the U.S. Small Business Administration. These loans offer lower interest rates and flexible repayment terms, making them ideal for growth, expansion, or refinancing.
Our team helps structure your file properly and match you with the right SBA-approved lender for faster approvals.
Business acquisition
Commercial real estate purchase
Equipment purchase
Debt refinancing
Expansion funding
Commercial real estate purchase or refinancing
Equipment purchase and upgrades
Working capital for daily operations
Hiring and payroll expansion
Access expedited and automated small business working capital loans and merchant cash advances. Funds can be used for any business purpose. Customized payment options with daily, weekly, and monthly repayment terms are available.
Ligible applicants can receive financing approval in a few hours and funding the same day or by next day. We can even consider borrowers turned down by other lenders!
$1,000 to $500,000+
No Credit Score Minimum
Competitive Financing Rates
No Collateral Required
Streamlined Underwriting
6+ Months -Time in Business
$15,000+ Monthly Revenue Min.
Most Industries Considered
Nationwide Financing
Same-Day Funding Available
Equipment financing allows businesses to purchase or lease essential equipment without large upfront costs. Whether you're upgrading or expanding operations, this program helps you maintain liquidity while scaling efficiently.
From heavy machinery to office technology, we connect you with lenders who understand your industry.
Construction & heavy machinery
Medical & dental equipment
Trucks & commercial vehicles
Manufacturing equipment
Technology & office systems
Retail fixtures & point-of-sale systems
Printing & packaging equipment
Laboratory & research equipment
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A business line of credit gives you access to funds whenever you need them — only pay interest on what you use. It’s the perfect solution for managing cash flow, covering short-term expenses, or handling unexpected opportunities.
Think of it as a financial safety net for your business.
Seasonal businesses
Managing cash flow gaps
Emergency expenses
Short-term working capital
Multiple lender options for better terms
Quick approvals with minimal paperwork
Solutions even for non-traditional income businesses
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Long-term business loans provide structured financing with predictable monthly payments, making them ideal for major investments and long-term growth strategies.
This is your go-to solution for scaling operations with confidence.
Opening new locations
Hiring and payroll expansion
Large inventory purchases
Business scaling & infrastructure
Structured deals tailored to your business model
Access to institutional + private lenders
Approval solutions even when banks say no
IndyBanc is a premier national mortgage brokerage and capital advisory firm. We do not lend our own capital; instead, we provide you with exclusive access to an expansive network of institutional, private, and non-QM lenders that traditional banks cannot access.
While Realtors and attorneys handle the legal drafting, IndyBanc serves as the central architect of the transaction. We provide end-to-end oversight, synchronizing communication between counsel, title companies, appraisers, and underwriters to ensure a seamless execution from application to funding.
No. IndyBanc operates on a success-based model. We do not charge upfront application or "junk" fees. Our compensation is earned and collected only upon the successful closing of your loan.
Our advisory fees (points) are transparently disclosed and vary based on the complexity of the file and the total capital deployed. These fees reflect the specialized structuring required to secure market-leading terms for non-traditional profiles.
Yes. In competitive real estate markets, verified pre-approval is essential. We conduct a rigorous preliminary analysis of your credit and income profile to issue a letter that carries weight with sellers, demonstrating your strength as a high-caliber borrower.
If you are self-employed and looking for funding, refinancing, or better loan terms, our team is ready to guide you. Proper structuring is the difference between denial and approval.
A national mortgage firm and capital advisory dedicated to the self-employed and modern business owner.
IndyBanc is an Equal Opportunity Employer.
We do Business in Accordance with the Federal Fair Lending Laws & The Federal Equal Credit Opportunity Act.
Federal ID: 81-1805114 -- Dun & Bradstreet ID: 049369496 -- BBB ID: 90185636
Loan Approval Disclaimer: IndyBanc operates as a nationwide mortgage broker, holding approval and contractual agreements with numerous lending institutions, bankers, and wholesale lenders. All loan applications are evaluated based on credit approval, underwriting criteria, specific lender terms and guidelines, and borrower qualifications. IndyBanc makes no assurances regarding loan approval, interest rates, fees, or loan conditions. Final credit decisions rest exclusively with the lending institution.
State Licensing Disclosure: IndyBanc is not required to obtain a license in most states; however, where licensing is mandated for certain types of loans, we may refer your loan to a licensed broker in compliance with state regulations.
No Advice Disclosure: Information provided by IndyBanc is for general informational purposes only and does not constitute legal, financial, tax, or investment advice.
Jurisdiction Disclosure: IndyBanc operates from Houston, Texas. Loan coordination services may be offered nationwide through independent lending partners, subject to applicable laws.
Copyright 2016-20 This website does not constitute a loan commitment.
