Business loans with no tax returns: How to get them

Need to get a business loan with no tax returns?

Several programs are available to get approved for a fast and easy business loan with no tax returns.  Businesses often do not or cannot provide tax returns for business loans. Programs are available to get a business loan without returns fast and easy.
Complete the secure docusign application now.
Or call us at Tel:  1-919-771-4177, or Question? Tell us what do you want to do?

How to get a small business loan with no tax returns: How to steps, direction, and tips:

How to get a small business loan with no tax returns
Get a small business loan without having to provide tax returns.
Need a small business loan but do not have business tax returns? For businesses that need funding without tax returns asap,
fast programs are available that can get funding in your account the same day or the next day.
Estimated Cost: $0
Total Time: 1 Day
Supplies Needed:  Business bank statements. Financial statements if available.  Time Available.
Tools needed: Internet connection, phone, computer
Step 1:  Preparation
Review your company’s cash flow information such as bank statements and financial statements.
Contact your accountant to get financial statements.  Determine how much your business needs, for how long and how soon.

Review your business bank statements and financials
Review your company’s cash flow strengths by looking over your bank statements and financials.
Step 2:  Gather the documentation you do have on hand.
Tip: Start the process at least a week or longer before needing business funding, especially when business tax returns are not

available and if your business needs larger amounts

Review the bank statements and any financial information before providing.
prepare an explanation for any slow and low cash flow periods or other issues, before applying.

Start early to get a small business loan with no tax returns
Giving yourself a week or two lead time will help you find the right programs, apply and get funding.
Step 3:  Research companies that offer business loans with no tax returns required.  Filter your search for programs that best matches your business for the amount requested, your credit, time in business, annual sales and the reason you want the loan.
Look for those companies that meet your specific needs and requirements.
Talk to those companies and find out about their terms and conditions.
Match up with the company that most closely meets your needs.
Find out if your business will qualify or prequalify.   Lenders may be able to prequalify you over the phone
Do a final review of your documentation based on the lender’s requirements
Ask the lender what it takes to qualify for approval
Asking the lender what the qualifying requirements are can save you from even applying.
Step 4: Submit your company’s application
Go with the most qualifying program for your business without tax returns.

No business tax returns required business loan programs.
No business tax returns required? Is the program a good fit? Then apply
Step 5: Approved or declined
Review terms if your business is approved.  To accept, provide all closing stipulations to fund the transaction.
Was your business denied? Contact the lender and find out why you were declined.  What can you do to get the decision reversed?
If you cannot get the lender to approve your business, then go back to other lenders you looked at during your search.
Ask the other lenders if you will be declined for the same reason.   If not, then consider applying with them.


If your business is approved and you are happy with the terms, then satisfy closing requirement to get funding.
If you are satisfied with the approval terms, then provide the items needed to close and get funding.

FAQ Frequently asked questions on getting a business loan with no tax returns

How can I get a business loan with no tax returns?
Choose and get approved from one of several programs that best matches your business. Fast and easy

Example of what to do if your business is asked for returns.

A business applies for a loan and is approved.   However, the Lender requires the most recent tax return or 2 years tax returns.   If you are a new business, or have filed an extension, your business cannot provide this information.

FAQ Frequently asked questions on getting a business loan with no tax returns

How can I get small business loans with no tax returns?
Research for companies that offer business loans with no tax returns required. Choose the program that best matches your business for the amount requested, credit, time in business,
annual sales, revenue and what the loan is for
Will we have to provide other proof of income like financial statements, bank statements or pay stubs?
You will probably not have to provide other proof of income. Not requiring tax returns is meant to be a program that does not make you prove business income through tax returns or financial information. You may be asked to provide business bank statements. This is because the lender has to figure out how much your business can afford.
Are there stated income programs where I can just say what my business sales are?
There are some programs where you may be able to just state your business income. These programs are based more on credit than sales. Businesses with strong sales are better off giving tax returns even if they don’t have to because approval amounts may be much higher.

If your business cannot provide Tax Returns, then:
Before applying, ask if Business Tax Returns will be required.  If so, apply for a business loans that does not require returns.

Business Loan with no Tax Returns
Want a business loan but do not have Tax returns?
Choose these options

Lenders will not scrutinize the returns even if they require them.   They will not review Gross and Net Profit, Business Tax Write Offs and other parts of the return.  However, if they ask for a return, you have to provide it.

Business owners are often afraid to provide a return because they show a net loss.  What can you do?  Apply for programs that do not require business returns.   Ask the lender in advance how closely the return will be scrutinized.  Many loan programs will just get the return to verify it has been filed.

The request for returns are also part of  “closing stipulations”.    Other items that are usually required for closing stipulations include a copy of current driver’s license, in addition to a clear copy of voided business check,  copy of business license.

Other frequently asked questions, requests and comments:

1.   “I need a business loan without tax returns.”
2.  Need a no tax return business loan.
3.  Cannot provide tax return for business loan.
4. I don’t have any tax returns for my business yet.
5.  Filed an extension on my tax returns.   What do I do?

Bookmark our resource page.