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Self-employed: a solid file without three sets of accounts
A recent business or atypical accounts do not condemn your application. What makes up for the absence of three sets of accounts.
By The editorial team · August 1, 2026
What the lender looks at
Beyond the accounts, the regularity of receipts, cash flow and the consistency of the business weigh heavily. Regular business statements tell a credible story.
Offsetting a recent business
A contribution, collateral, a salaried co-borrower or a documented order book can reassure where seniority is lacking.
Preparing the right supporting documents
Up-to-date accounts, statements from the last few months, current contracts: an orderly file speeds up the review and inspires confidence.
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