No Tax Returns
Working capital without tax returns
Three months of business bank statements is the whole application. No tax returns, no financial statements, no business plan — and no down payment. Terms the same day the statements arrive, funds in as little as 24 hours after you sign.
- Bank statements, not tax returns
- No financials or business plan
- No down payment
- Funds in as little as 24 hours
Updated September 3, 2026
Can I get working capital without tax returns?
Yes — Avanti Equipment Finance provides working capital of $10K to $250K underwritten on three months of business bank statements instead of tax returns. No financial statements, no business plan, no down payment. Any business with a year of history and steady deposits can apply, every credit profile is considered, terms come back the same day the statements arrive, and funds can land in as little as 24 hours after signing.
3-min
Application
24-hr
Funds in as little as
$250K
Up to
24-mo
Terms up to
Why finance with Avanti
Tax returns tell a lender what your business did last year, after every deduction your accountant could find. Bank statements show what is moving through the account right now, and that is what this program is underwritten on. Send the last three months — every page, downloaded from your online banking as PDFs — and the review starts the moment they arrive. Nothing to assemble, nothing to explain, nothing to wait on from your CPA. It is also why a business that shows a small profit on paper but steady deposits in the bank still has a clear path: the amount is sized from those deposits, the terms come back the same business day, and the money is wired once you sign.
At a glance
- Amounts
- $10K – $250K
- Terms
- 6 – 24 months
- Paperwork
- 3 months of statements
- Funds in
- As little as 24 hrs
How it works
1
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
2
Send three months of bank statements
All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.
3
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers — no surprises in the fine print.
4
Funds in as little as 24 hours
Sign, and the money is wired to your business account on a payment schedule you saw before signing.
Frequently asked questions
Do I really not need tax returns?
No. Three months of business bank statements plus the three-minute application is the complete package. We do not ask for tax returns, profit-and-loss statements, balance sheets, or a business plan.
What do the bank statements need to show?
The last three months, all pages, as PDF downloads from your online banking — not photos or partial pages. They need to be for the business account your revenue lands in, and they need to show the deposits, not just balances.
Why bank statements instead of tax returns?
Because the amount is sized from what moves through your account now, not what you reported last year. Deposits are current; a tax return can be eighteen months old and reflects every deduction you took.
My business shows a loss on paper. Does that matter?
Not the way it would at a bank. This program looks at deposits and average balances, not taxable profit. Steady deposits with a low taxable income is one of the most common profiles we fund.
Is there a minimum revenue?
There is no hard cutoff. The amount is sized from your monthly deposits, so smaller deposits mean a smaller amount. If the numbers don't support the request, we'll tell you straight rather than string you along.
How fast can I get funded?
Terms usually come back the same business day your bank statements arrive; funds land in as little as 24 hours after you sign. Attach the statements to the application and the review starts the moment you submit.
Related financing
- Working capitalPayroll, inventory, repairs and slow months — for any business, funds in as little as 24 hours.
- Working capital with bad creditDeposits carry the file, not your score. No down payment at any credit level.
- How fast working capital fundsTerms the same day the statements arrive; funds in as little as 24 hours after signing.
- Working capital for restaurantsPayroll, a dead walk-in, the slow month — card and cash deposits both count.
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.