Stated Income Commercial Loans – Require No Income Proof

Capital Investors Direct will provide you with a quick and hassle-free pre-qualified stated income loan. We offer fast approval with fewer documents.

Secure a loan fast

Efficient communication

No hidden fees

Reliable terms

Flexible terms

When Bank Says No… We Say Yes!

Stated income is an underwriting component of many commercial real estate mortgages to measure income available to repay the loan. Here the borrower’s income is stated but is NOT verified.

It focuses on the commercial property’s value to determine the capability of repaying the mortgage, interest, and insurance of the approved stated income commercial loan. Here your credit score DOES NOT have much significance. 

Stated income commercial loans are the perfect fit for borrowers who don’t qualify for traditional loans based on TAX RETURNS or W-2 INCOME. Self-employed individuals can easily qualify for this loan as it requires no income verification, and has a credit score requirement of as low as 650. This stated income commercial loan is ideal for entrepreneurs, freelancers, realtors, and consultants.
stated income commercial loans

You Need A Stated

Income Commercial Loans

  • When you don’t have proof of income of at least two years
  • When you need cash for your business
  • When your salary is low but you earn a high commission
  • When you want to buy commercial property
  • When you want to apply for refinances or cash-out refinances

Apply Now If You Have These Documents

Stated income commercial loans are the best alternatives for borrowers who are unable to furnish proof of their income source. Capital Investors Direct will secure your stated income commercial loan simply with the following documentation-

  • Credit score of 650 and above
  • Bankruptcy(s) outside of 2 years
  • Copy of driver’s license
  • Copy of social security card
  • Address history for the last two years?
  • How long you’ve been staying at your current address?
  • Whether you currently rent or own?
  • If renting, current rent paid/month
  • Employment history last two years
  • If self-employed, the name of company-owned
  • Current job title
  • How long you have held your current job title?
  • Married or unmarried
  • How many dependents and their ages?
  • Hazard insurance DEC page showing annual premium
  • Current mortgage statement
  • Purchase agreement (if purchase loan)
  • Credit authorization 

Stated Income Loan Specifications for Commercial Real Estate

Asset Class:

Multifamily / Mixed-Use / Retail / Office /Commercial Properties


None Required


Interest Only Available/Fixed/ARM

Loan Size:

$150,000 – $5M+

Loan Purpose:

Purchase / Rate / Term & Cash-Out Refinance

Commercial Projects We Fund

Capital Investors Direct, provides access to investment capital for commercial real estate funding. Here’s a list of properties you can acquire with a stated income commercial loan:

Locations We Cover

Capital Investors Direct provides commercial property loan financing options in the following geographic locations of the United States:
– All 50 states and US Territories (Puerto Rico and US Virgin Islands)

– Top 200 MSA Tier I & Tier II Cities (population above 50,000, metropolitan areas, etc.)

Our US Locations

Why Choose us

We go above and beyond to add to our list of satisfied customers and ongoing clientele. We believe in a simple theory, listen intently to the specific needs of each customer, and go above and beyond to deliver the best Bridge Financing Solutions. Together we bring years of expertise, market knowledge, and detailed insights about the right commercial property investment options. With a team that champions in their respective areas, we are committed to deliver only the very best.

With personalized service as our agenda. Capital Investors Direct is here to make your life easy.

Fast & Efficient
Efficient Communication
Instant Approval
Satisfaction Guaranteed

How It Works?


Step 1 - Fill the Form

Apply for a commercial property loan in 5 mins by filling the form

Step 2 - Get Approval

We will get back to you within 24 hrs with written disclosure of all loan terms

Step 3 - Loan Funded

Within days, the loan will be credited to your account

Start your stated income commercial loan application today!

or Call Us At (800).348.8120

Get Quick Approval For Stated Income Loan

Get In Touch

11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)

Get Approved For A
Hard Money Loan

Get In Touch

11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)

Frequently Asked Questions

Can I get a state income loan with bad credit?

If you have a credit score of 650 or more, CID will provide you a stated income loan.  

Are stated income loans available in all states?

No. It depends on the stated income loan program. Some of the states do not have stated income available.

Do you require personal tax returns?

No. We don’t require your personal tax return.

How long will it take to close a stated income loan?

Usually, if you have all the documents ready, we will close a loan in 7 to 10 days.

Direct Capital Investment Firm

We are here to work for the new world that is currently being shaped by digital transformation. While the industry is dealing with the change, we have adapted and transformed ourselves to offer the best solutions in the country.


Get In Touch

11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F) 

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