小银行贷款方案 / B Lender

What is a B Lender?

B lenders are financial institutions that offer mortgage solutions to clients who don’t meet the strict requirements of major banks. These include smaller trust companies, mortgage finance companies, and credit unions. B lenders offer more flexibility in how they assess income, credit, and debt.

什么是 B 类贷款机构？

B 类贷款机构通常是信托公司、专门的贷款公司或小型信用合作社，适合无法满足大银行严格标准的客户。他们在评估收入、信用及负债方面更加灵活，能为更多不同背景的借款人提供解决方案。

Who is it for?

• Self-employed borrowers with low declared income

• Credit scores below 680

• Clients with past credit issues (e.g., missed payments, consumer proposals)

• Clients with non-traditional income (cash-heavy business, part-time, etc.)

• Clients purchasing non-standard properties (condo hotels, mixed use, etc.)

适合哪些客户？

• 自雇人士，税表收入偏低但现金流稳定

• 信用分数低于 680 的申请人

• 有信用瑕疵，如逾期还款或消费者方案记录

• 收入结构不传统，如现金收入、兼职收入等

• 购买特殊物业类型，如商住混合、公寓酒店等

Key Features

• Flexible income verification (bank statements, stated income)

• Easier approval process than big banks

• Slightly higher interest rates than A lenders

• Shorter term lengths (typically 1–3 years)

主要特点

• 收入验证更灵活（接受银行流水、自报收入）

• 审批流程相对简单

• 利率略高于 A 类银行

• 贷款期限较短（一般为 1–3 年）

Pros and Cons

Pros:

• Easier approval for those with non-traditional situations

• Allows access to mortgage financing when banks say no

Cons:

• Higher interest costs compared to A lenders

• Typically requires larger down payment (e.g., 20% or more)

优点与限制

优点：

• 对特殊情况客户更容易获批

• 在大银行拒绝的情况下仍可取得贷款

限制：

• 利率高于 A 类银行

• 通常要求更高比例的首付款（如 20% 或以上）