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A true Commercial No Documentation/ Stated Income loan Program.   The perfect type of loan if you can’t provide tax returns for some reason or don’t want to provide tax returns because of excessive write-offs that keep you from qualifying at your local commercial bank.  That’s fine.  We don’t care what your tax returns show – No debt to income ratio (DTI) review ever.  Even with a bankruptcy over two years ago, you can still qualify for a stated income mortgage.  This program lets you refinance up to 85% of your appraised commercial property or investment residential value.


  • Loan amounts from $75,000 to $20,000,000+

  • NO Financials, No 4506, All Property Uses

  • NO FICO Score Requirements, Bad Fico Ok

  • NO Tax Returns, No Doc, Stated Options

  • NO Debt-to-Income Ratio Requirements

  • NO Debt Service Coverage Ratio Requirements

  • 1-4 family, 5+ Multifamly, Office, Industrial, Mutli-purpose building

  • NO Red Tape "Make Sense Underwriting"

  • All Property Types, All Property Conditions

  • Self Employed Borrowers, Wage, No Doc

  • Stated Income Loans

  • Recent Foreclosure or Short Sale or BK Ok

  • Business Purpose and Commercial Use Only

  • No Seasoning Requirements Title or Funds

  • Purchase, Refinance, Cash-Out Equity, Mezzanine

  • Residential & Commercial & Industrial & AG/Land



We provide an uncomplicated loan process from a common sense point of view and fast loan approvals.  Most transactions closing within 7-14 days of loan application.  Blanket loans are available if needed.

Start by contacting Oxford Business Capital today by email or

Phone: 800-207-0146  Ext. 700 or 701











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