Flexible Home Financing with Profit & Loss Loans

Profit & Loss Loans are designed for self-employed borrowers who may not show traditional income on tax returns. Instead of relying on W-2s or full documentation, lenders use your business Profit & Loss statements to determine qualifying income. This creates a simpler, more flexible path to homeownership. With expert guidance from Chuck Biggs with Epiq Lending, you get a loan solution built around how your business actually performs.
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Why Profit & Loss Loans Matter

For business owners, tax write-offs often lower taxable income, making it hard to qualify through conventional standards. Profit & Loss Loans offer a realistic assessment of your earning power by focusing on your business performance rather than tax documents. Chuck Biggs with Epiq Lending walks you through the process and ensures your P&L is used effectively to help you qualify with confidence.
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How Profit & Loss Loans Work

Instead of tax returns or pay stubs, lenders review verified Profit & Loss statements—sometimes CPA-prepared—to calculate your income. These loans are ideal for entrepreneurs, contractors, and gig workers with fluctuating or nontraditional income. By evaluating business cash flow, lenders gain a clearer picture of your ability to repay. Chuck Biggs with Epiq Lending helps you prepare the right documentation so the process stays smooth and efficient.
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Benefits of Profit & Loss Loans

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No tax returns required

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Ideal for self-employed borrowers

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Uses business performance to determine income

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Streamlined documentation
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Who Should Choose Profit & Loss Loans

Profit & Loss Loans are perfect for self-employed individuals, freelancers, or business owners whose tax filings don’t fully reflect their true income. If your business is strong but tax write-offs reduce your qualifying ability, this loan program can be the right fit. Chuck Biggs with Epiq Lending reviews your financials to help you secure the best possible terms.
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Why Choose Chuck Biggs for Your Mortgage Needs

Chuck Biggs with Epiq Lending delivers reliable, client-focused mortgage solutions tailored to your financial goals. Whether you’re buying a home, refinancing, or investing, Chuck provides personalized guidance, clear communication, and a streamlined process from start to finish. With a focus on competitive options, transparency, and long-term value, you can move forward with confidence knowing your financing supports both your immediate needs and future plans.

We are known for

Personalized Loan Solutions – Every client is unique, and so are our mortgage solutions. We tailor every loan to fit your goals and financial situation.

Fast and Efficient Closings – Our streamlined approach ensures quick approvals and smooth closings, helping you move forward with confidence.

Competitive Rates & Flexible Programs – From DSCR and VA Loans to FHA, Conventional etc, we provide options that match your needs and budget.

Exceptional Client Experience – We go beyond transactions to build lasting relationships, offering guidance, education, and support even after your loan closes.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Getting started is simple. Reach out to Chuck Biggs with Epiq Lending to discuss your goals, financial situation, and timelines. He will guide you through the pre-qualification process and help you understand your options.

 

Chuck will provide a clear list of necessary documents, usually including proof of income, tax returns, bank statements, and identification. This ensures your application process is smooth and efficient.

 

The timeline varies depending on your situation, but Chuck focuses on keeping the process transparent and on schedule. He will provide updates at each step to make sure you know what to expect.

 

Absolutely. Chuck specializes in helping first-time buyers understand the process, choose the right financing, and make informed decisions. He provides education and support throughout the entire journey.

 

Chuck takes a personalized approach, reviewing your financial goals, budget, and long-term plans. He provides clear explanations and professional advice so you can confidently select the solution that fits your needs.

Start Your Path with Chuck Biggs

Chuck Biggs with Epiq Lending is dedicated to helping self-employed borrowers find flexible solutions like Profit & Loss Loans. Whether you have established business income or a growing operation, Chuck ensures your financial story is presented accurately and confidently. Take your next step toward homeownership with a lending approach tailored to how you truly earn.