You built the business. We’ll get you the home.
Bringing modern lending to the builders, entrepreneurs, and operators the traditional system wasn’t built for.
60 seconds · No credit pull · No tax returns
The bank looks at one number. We read the whole file.
How it works
Three steps. No wasted motion.
No 45-minute phone screens, no document chase. Tell us how you earn, let the matching engine do the reading, and get an answer you can act on.
Tell us how you earn.
Five questions, 60 seconds. No tax returns, no credit pull.
Our matching rules surface the right programs.
It reads your file like an underwriter and ranks the programs most likely to fund you — in minutes, not days.
A licensed officer confirms. You decide.
Real human judgment on every file. No commitments until you say go.
A closer look
Five quick questions about how you earn — sole prop, S-corp, 1099, blended, investor. No tax returns, no credit pull, no spam. Takes about 60 seconds.
Step 1 of 560 secHow do you earn your income?
I own a businessI’m a 1099 contractorI’m buying an investment propertyMix of W-2 and business incomeOur matching engine reads your profile against bank statement, DSCR, P&L-only, 1099, and asset-depletion programs across our wholesale lender network — and surfaces the path most likely to fund. The matching rules are written and reviewed by licensed mortgage professionals, and every loan decision is made by a person, not a model.
Matching across our 6 loan programs
1Bank statement loan96%2P&L-only71%3DSCR38%4109922%5Asset depletion14%See the matched product, the docs you’ll need, and a clear next step. No commitments — you decide whether to start a full application.
How we match your file
Matching rules + a licensed officer.
Describe your income
5 questions · no tax returns · no credit pull
Our matching rules analyze your profile
Compares to 6 Non-QM programs
A licensed MLO reviews your match
NMLS-licensed mortgage professional
You see your options and decide
No commitments. No surprises.
Reviewed by Sunrise’s Loan Operations Team
How do you earn your income?
Why Sunrise Lending
Banks underwrite paychecks.
We underwrite businesses.
01
Built by business owners, for business owners.
We run businesses too. We know what a K-1 distribution is, why your Schedule C looks thin on purpose, and what it's like to be told 'no' by a bank that never read past line 11.
02
The best at reading business income. Full stop.
Bank deposits, K-1s, 1099 contracts, retained earnings, P&L, asset position — qualifying complex income is not our side product. It is the whole company.
03
Matched in minutes. Confirmed by a licensed officer.
Our matching engine reads your file against lender programs the way an underwriter would — then ranks where you are most likely to fund. A licensed professional makes every decision.
04
Plain English at every step.
No mortgage-speak. Every document and decision comes with a sentence that says what it means and why it matters — the way you would explain it to a friend.
Start your match
What describes you best?
Pick one and we’ll start your match on the right question. 60 seconds, no credit pull, no tax returns.
Loan types
Six ways we get you financed.
We work the full non-QM stack — plus conventional, FHA, and VA when your file fits the box. Your matched product depends on how you earn, what you’re buying, and how the file presents.
Who we work with
We get business owners to a yes.
Whatever you build, fix, advise, or own — if your income doesn't fit a W-2 box, you're who we built this for.
Find your loan path in 60 seconds.
The mortgage company built for business owners. Matched to the right program, confirmed by a licensed officer — no tax returns to start.