Traditional lending often penalizes entrepreneurs, as standard tax write-offs frequently mask their actual financial health. For the 15 million self-employed Americans, this creates a barrier to accessing equity, especially for those holding primary mortgage rates near 3 or 4 percent. Truss Financial Group addresses this by utilizing 12 to 24 months of bank statements to verify gross cash flow rather than relying on taxable income figures.

Through a digital Home Equity Line of Credit (HELOC) platform, the firm allows qualified applicants to secure up to $750,000 without a full refinance. By shifting to a second-lien model, the company ensures borrowers retain their existing mortgage terms. The process uses automated soft credit pulls to generate options, aiming to reduce the standard weeks of document processing to a matter of days. CEO Jeff Miller, who led the industry in 2026 with 569 Non-QM loan closings totaling $325.9 million, argues that modern lending must prioritize real-world cash flow over static paperwork to support business growth.