Industries
Built for the way your industry actually earns.
Sixteen categories of self-employed and small-business borrowers. Every one of them gets denied by conventional underwriting at some point — usually because the tax return understates real income. We read the evidence that fits.
Industry categories
Trades & Construction
18 industriesSkilled-trade owners qualifying on bank-statement deposits, not the depressed Schedule C net.
Includes: HVAC · plumbing · electrical · roofing · landscaping
Healthcare & Medical
14 industriesSolo practitioners and partnership distributions documented through K-1, 1099, or bank-statement programs.
Includes: dentists · chiropractors · nurse practitioners · private practice physicians · physical therapists
Food & Beverage
10 industriesRestaurants, hospitality operators, and food entrepreneurs underwritten on 24 months of business deposits.
Includes: restaurants · food trucks · catering · bakeries · breweries
Professional Services
15 industriesSolo and partnership professionals on 1099, K-1, or P&L-only documentation.
Includes: attorneys · accountants · consultants · engineers · architects
Retail & E-commerce
12 industriesIndependent retailers and online sellers qualifying on business deposits or P&L.
Includes: specialty retail · Shopify sellers · Amazon FBA · boutiques · consignment
Beauty & Wellness
9 industriesSalon, spa, and fitness owners on bank-statement programs that read your real deposits.
Includes: salons · med spas · gyms · yoga studios · wellness practitioners
Auto & Transportation
11 industriesVehicle-based businesses where equipment depreciation buries real cash flow.
Includes: auto repair · dealerships · trucking · rideshare fleet operators · mobile detailing
Tech & Digital
8 industriesFounders and freelancers whose wealth lives in equity, K-1 distributions, or 1099 contracts.
Includes: startup founders · agencies · SaaS operators · developers · IT consultants
Real Estate & Property
7 industriesAgents, brokers, and property managers on 1099 income or DSCR for portfolio work.
Includes: real estate agents · brokers · property managers · short-term rental hosts · BRRRR investors
Creative & Media
10 industriesProject-based creative income documented on 1099s or bank-statement deposits.
Includes: photographers · videographers · designers · producers · content creators
Education & Coaching
6 industriesIndependent educators and coaches on contract income or business deposits.
Includes: private tutors · test prep · executive coaches · language teachers · instructional designers
Marketing & Advertising
7 industriesAgency owners and freelancers on K-1, 1099, or P&L-only documentation.
Includes: agencies · PR consultants · media buyers · brand strategists · social media managers
Manufacturing & Production
8 industriesSmall-batch and contract manufacturers qualifying on operating deposits despite heavy equipment depreciation.
Includes: small manufacturers · machine shops · contract producers · fabricators · specialty foods
Cleaning & Janitorial
5 industriesService-business owners whose recurring revenue is buried under labor + supply costs on the Schedule C.
Includes: residential cleaning · commercial janitorial · post-construction · window cleaning · pressure washing
Pet Services
5 industriesPet-care entrepreneurs and veterinarians on bank-statement deposits or partnership K-1s.
Includes: veterinarians · groomers · trainers · boarding · pet sitters
Hospitality & Events
6 industriesEvent-based operators with strong gross receipts but uneven monthly cash flow.
Includes: event planners · wedding photographers · venue operators · rental companies · caterers
Don’t see yours?
The matcher takes any income story in five questions. If we can underwrite your industry, the result tells you which path fits.
Sunrise Lending · Morty, Inc. · NMLS #1429243 · Licensed in Michigan · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. Loan decisions are made by licensed mortgage professionals. See footer for originator details.