Quintessential Mortgage Group, LLC
NMLS # 979266

P & L Loans

The Definitive Answer for Independent Borrowers

A P&L loan, short for “Profit and Loss loan,” is a type of financing that’s often extended to self-employed individuals or businesses that might not have traditional income documentation like pay stubs or W-2 forms.

Key Highlights of the Quintessential Mortgage Group P&L Program:

  • Alternative Documentation: Accepts profit and loss statements for income verification, ideal for self-employed individuals.
  • Business-Centric Evaluation: Focuses on the financial health of the business- not just personal income, for lending decisions.
  • Customized Solutions: Offers tailored loan structures based on the unique financial situation of the business.
  • Streamlined Process: Simplifies the application and verification process, reducing paperwork for faster approvals.


How QMG Can Help With P&L Loans

Our team understands the complexities of P&L loans. They can prove to be a valuable program designed to accommodate those whose income might fluctuate or might not be easily captured through traditional employment documentation. They aim to provide access to financing based on the profitability of the business rather than solely relying on conventional income verification methods. 

Please contact our skilled team of loan officers today at Quintessential Mortgage Group with any questions and see if our P&L program works for you. 

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