Start with the Right Fit

We lend where others pause.

Sandrine Capital specializes in non-traditional lending — which means we look at your full financial picture, not just your credit score or tax returns. If you're self-employed, an ITIN holder, or lack standard paperwork, you're in the right place.

Step 1: Know What You Need

What types of loans do we offer?

ITIN Loans (for borrowers without a Social Security number)

Self-Employed / 1099 / Low-Doc Loans

Foreign National Mortgages

DSCR Loans (for investment properties)

Asset Utilization / Depletion Loans

Cash-Out Refinancing

SBA Loans (for small business borrowers)

What we typically need:

A 12-month CPA-prepared Profit & Loss (P&L) statement (if self-employed)

1-month bank statement showing assets or reserves

VOE (Verification of Employment) for salaried employees

ITIN in place of SSN (if applicable)

Purpose of the loan (purchase, refinance, etc.)

Step 2: Be Transparent

We’re flexible with documents — but clear about intent.

We’re not your average lender. You don’t need W2s or tax returns — but we do ask for accurate and honest information about your income, business, or asset situation. The more clarity you provide, the smoother the process.

Step 3: Submit Your Application

You can begin your loan request through:

Our online loan inquiry form (coming soon as a stepwise form on ITIN Loans page)

Speaking directly with a lending advisor via our contact page

Sending documents to your designated loan officer (e.g., CPA statement, ID proof, bank statement)

Step 4: Fast, Flexible Review

We don’t make you wait for weeks.

Once submitted, our team will review your documentation and get back to you quickly — often within 48 hours. If something’s missing, we’ll work with you to complete the file rather than reject it outright.

Final Approval & Funding

Depending on your loan type, final approval and funding can happen in as little as 7–10 business days. We'll guide you through closing, ensure compliance, and keep things stress-free.

Tips to Improve Your Approval Odds

Work with a CPA or accountant for clean documentation

Keep recent bank statements ready

Be clear on the loan purpose: purchase, refinance, or investment

Communicate proactively if you expect delays or document issues

Ask questions — our team is here to help, not to judge

Conclusion

Getting approved with Sandrine Capital isn’t about checking boxes — it’s about finding the right solution for your real-life situation.

We’re here for the self-starters, the investors, the newcomers, and the entrepreneurs who deserve access to financing without unnecessary barriers.