No Doc Business Loans: What They Really Mean and What You Still Need
What no doc business loans really are, what lenders still ask for, which products need less paperwork and the tradeoffs.
Nov 2, 2026
Chris Scarfo
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Full disclosure below.
Co-founder, Lending Gurus
Chris Scarfo is the co-founder of Lending Gurus, an AI guidance platform that helps small business owners understand their financing options before they ever talk to a lender. He started it in 2024 as a small business lending brokerage.
Before Lending Gurus, Chris spent ten years in business banking at Wells Fargo, BlueVine, Bank of America and U.S. Bank. At BlueVine he funded an average of about $1M a month in lines of credit and term loans for small business owners. At Bank of America he brought in about $10M a year in new deposits and $5M a year in new lending, and at his peak ranked first in the San Francisco Bay Area and in the top 10 nationally. At U.S. Bank he led a business banking portfolio across several products as a senior relationship manager.
He lives in the San Francisco Bay Area and is a father of three.
Articles by Chris
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