SELF-EMPLOYED BORROWERS
Just Now LoanTurn business records into a clear income picture
Organize the records you already have before approaching a provider. Gross receipts, transfers and the money available for personal bills are different numbers.
Independent planning tools. No lender application is sent.
Start with the numbersIncome proof and monthly picture
Your entries are planning inputs, not an offer. No personal identifiers are needed.
Illustrative arithmetic, not financial advice, eligibility or a lender offer. How the tools work
Do not call revenue your take-home income
Enter receipts and ordinary business costs separately in the worksheet. Add a tax reserve you actually use for planning, rather than assuming every deposited dollar is available for debt payments. The result is a user-built cash-flow view, not taxable income or a provider’s underwriting calculation.
Owner transfers between your own accounts are movements of the same money. Loan proceeds and refunds can also appear as deposits without being recurring earnings. Exclude those from an income average unless you have a clear reason to treat them differently.
Use documents for the evidence they contain
| Record | Useful for organizing | Limit to remember |
|---|---|---|
| Tax return or Schedule C | Reported business activity over the covered period | It may not describe the most recent month. |
| Bank statement | Deposits, withdrawals and account activity | A deposit is not automatically revenue. |
| Invoice plus payment record | A link between billed work and money received | An unpaid invoice is not cash available today. |
| 1099 record | Reported payments from a payer | It may overlap amounts already counted in statements. |
| Profit-and-loss worksheet | A current summary with stated categories | A self-prepared summary is not independently verified. |
Ask the provider which records it accepts before sending files. Do not upload tax returns, account numbers or identifying documents into this website’s planning tools.
Look at the weaker period as well as the average
The worksheet reports the average and the lowest period from the figures you enter. These are descriptive statistics, not a promise about future income. If a payment fits only the average, review whether a low month would require another advance or use money set aside for business costs.
Separate unusually large one-time receipts from recurring work when interpreting the result. A six-month average can otherwise hide the dependence on a single contract.
Personal borrowing and business financing have different purposes
This page helps prepare for a personal installment-loan discussion. It does not select a business credit product or say that personal-loan proceeds can be used for a business purpose. Confirm permitted uses in the actual agreement.
For a personal bill, carry the calculated household amount into the installment planner. Keep business expenses and required debt payments in the budget so that a repayment is not counted against money the business still needs.
Your next step depends on what is missing
Missing recent records means a documentation job: retrieve statements, reconcile invoices and separate transfers. No positive household remainder means a payment-capacity job. An unexplained credit record is another question again. The readiness result keeps those issues separate.
Completing every checkbox is not an approval. A provider can consider information outside this worksheet and can use different income calculations.
Sources and scope
These resources provide general context. They do not establish a provider relationship or an offer through this website.
- Discover — Applying for a personal loan when self-employedFirst-party document preparation context, not universal underwriting or partner evidence
- CFPB — What is a personal installment loan?General installment-loan explanation; not Just Now Loan product evidence
Ready to check your options?
Continue to the dedicated application after you have reviewed the amount, payment and relevant requirements.
Just Now Loan is not a lender. Providers determine approval, rates, terms and funding.