Qualify For a Loan Using Your Bank Statements.

A banking surrogate program is an underwriting method where lenders evaluate a self-employed applicant's business revenue and income stability using primary bank account statements instead of traditional Income Tax Returns (ITR).

Most partner NBFCs and financial institutions analyze the continuous primary current or savings account statements of the last 6 to 12 months to establish accurate cash flow averages.

No. Underwriters carefully filter out internal fund transfers, loan disbursals, contra entries, and cash redeposits to calculate your true operational business turnover and net cash credits.

Depending on your industry sector (manufacturing, trading, or services), lenders apply an estimated net profit margin ranging from 8% to 25% on total bank credits to determine your disposable monthly income.