Credit despite self-employment

Dear users,

I hope someone can help me or list some options.
The dream of owning a house has always existed, but loan applications are not accepted.
Since I am self-employed and have been running my own EMS studio for 2 years, and soon the second studio will be added. The banks, of course, only see the expenses and the income. I could easily repay a loan, but the banks only see the "numbers on paper."
Does anyone know another way to get financing?

Thanks in advance for the help.

What is an EMS studio?


Best regards in brief

A fitness studio in micro form, related to personal training, in the form of electrical impulses.

Why do the "numbers on paper" differ from the actual numbers?

If I invest, for example, 100 thousand € at the beginning of the year, and generate, for example, an 80 thousand € surplus of income and expenses during the year, it is still 20 thousand € in the red on paper, even though I could easily cover the down payment since the investment. Do I really have to explain that? The banks just want the bare numbers from the last 3 years... So, are there any other options? Does anyone know about this?

No, since the investments have to be capitalized, only the depreciation is an expense, unless the entire 100T€ are [GWGs]. And even then, there are ways to spread the [GWG] depreciation over several years. One should therefore be aware in advance whether low taxes or high profit are important. Both at the same time is not possible.