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Fast Access to Workable, Cost-effective No Doc Loans

We provide operators that do not have all the financials requested by many lenders, with access to lenders that do offer this funding category. As specialists in lending for all types of enterprises, our portfolio includes credit solutions for the many operators that find themselves unable to get approval due to lack of documentation. Operators from all industry sectors, operating in all areas of Australia can utilise our expert services.

Without the full complement of financials, accounts records and tax returns, many operators face difficulty sourcing the funds they need to support their enterprise. With our expertise and connections with specialist lenders, we have a proven track-record in achieving cost-effective solutions at lower interest rates and workable terms.

Business Finance Fast Access to Workable, Cost-effective No Doc Loans
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No Doc & Low Doc Loan Options
Compare Business Finance Interest Rates on No Doc & Low Doc Loans

The lower rates we are currently achieving across our portfolio speaks to our capabilities to deliver cost-effective credit solutions for Australian operators. Lower rates that do not necessarily get higher for those without financials. Use these rates for budgeting and planning and contact us for a confirmed quote for your specific requirements.

Loan Amount Loan Term
Loan Product Interest Rate Monthly Repayment
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Calculate and Compare Repayments and Options with Ease
How to Use a No Doc Loan Calculator – Calculate and Compare Repayments, Options

To compare different credit products, makes and models of cars, trucks and equipment and to work out how you would like your funding structured – use our online calculator. This online resource allows for fast calculations of estimated repayments based on the data input.

Vary the loan amount and term to see how repayments change. Compare repayment estimates on different credit products to assist with both funding and buying decisions.

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Exploring Simplified Financing Options
What is a no doc loan?

This is a general reference to applicants for commercial funding that do not have the financials required for the usual application for some lenders. These include tax returns, BAS returns, annual accounts and similar records. They may not be available due to the operation being a start-up or operating for a short period, or for other reasons. The reference describes the applying entity. It is not a specific credit product.

Profiles can include owner-operators, self-employed, SMEs, new and emerging operations, sole traders and sub-contractors. When approved, these applicants may select from the credit products available and be entitled to the relevant tax and other benefits. We have lenders that lenders that approve these applications based on cash flow and turnover.

Efficiency in Action: Simplifying Business Loan Brokerage in Melbourne

Understanding Flexible Financing Solutions
What is a low doc loan?

The difference between no and low, is the amount of paperwork provided in the application. Lite doc applicants can provide partial paperwork which may include bank statements, accounts figures prepared by the owner and other trading and turnover records. Some options can be approved based on 6 month turnover figures.

Profiles for these types of applications can include owner-operators, self-employed, SMEs, new and emerging operations, sole traders and sub-contractors. They may operate in all industry sectors and all regions of Australia. Our experts will guide you as to what our lenders require for approval.

Minimal Documentation Financing

Tailored Solutions for No Doc Finance
Individual, Custom Solutions for No Doc Finance

As specialists in sourcing funding for all operating set-ups, we have built-up connections with a large selection of lenders. Our expert brokers know the matrix that our lenders use to approve lite and no financials applications. We have access to lenders that we know do approve lite doc funds based on turnover for as little as a 6 month period. Providing access to affordable funding within the reach of many new operators.

We utilise this expertise and our accreditation with over 80 banks and specialist non-bank lenders to source the right lender and a workable outcome that meets the specific profile of our clients. Clients requiring lite doc credit require special, individual attention to achieve a solution that meets their individual circumstances. Attention they can be assured of receiving from us.

Our services are available to operators in all states and territories, in CBDs, urban areas, regional and remote locations. We utilise the latest technology to ensure quick and easy accessibility to the solutions required.

  • Access to 80+ banks and non-bank lenders
  • Expert solutions for individual lite doc requirements.
  • Lower rates, workable terms and conditions.
  • Individually sources and negotiated funding.
  • Australia-wide services.
Personalized Approaches for No Documentation Financing

Exploring Available No Doc and Low Doc Loan Options
Types of No Doc Low Doc Loans Available

Operators without financials can apply for funds for a wide range of purposes and purchases. Lite doc credit can be used to acquire assets, fund non-asset expense and to support cash flow.

  • No Doc Car Loans and Low Doc Car Loans – acquire the vehicles required for the operation including utes, vans, passenger cars, SUVs and wagons.
  • No Doc and Low Doc Equipment Financing – invest in the plant, machinery and equipment required for a commercial operation.
  • No Doc and Low Doc Truck Loans – improve productivity with new vehicles across all segments – light, medium and heavy duty. Combo truck trailer and truck only options.
  • No Doc and Low Doc Business Loans – secured and unsecured options including overdrafts to fund non-asset expenses and cash flow purposes.
Available Varieties of Low and No Documentation Loans

Discover the Complete Range
Full Range of Low Doc Financing Products

Our complete portfolio of products is available on approval of lite doc and no financials applications:-

  • Chattel Mortgage
  • Rent to Buy
  • Commercial Hire Purchase
  • Leasing
  • Secured and Unsecured Credit

All the applicable tax deductions and benefits relevant to the credit product can be realised.

Comprehensive Selection of Low Documentation Financing Options
Obtain Professional Support for Low Documentation Finance Applications

Expert Assistance for No Doc Finance Applications
Get Expert Assistance for No Doc Finance Applications

You will be assigned one of our expert brokers with specific experience in sourcing funding for operators without financials and in your industry sector. We’ll guide you as to what to include in the application.

Guidelines for applications:-

  • ABN and ID required.
  • GST registration not essential but can be viewed favourably by some lenders.
  • The amount and quality of documentation provided may enhance the prospects.
  • Where tax returns, BAS and annual accounts are not available, simple turnover and cash flow spreadsheets can be prepared by the operator.
  • Bank statements for the time of operation are preferred, where available. Some lenders will approve based on turnover records for 6 months. This may be verified through bank statements.
  • Sole traders and self-employed operators may have personal financials requested as part of the application.
  • Details of the purpose of the funding. Where known, the make, model and condition of trucks, cars and equipment should be advised as this may impact rates and conditions.

Swift Approvals
Fast Approvals for Low Doc and No Doc Loans

We appreciate that many requiring funding without financials will want to have confirmation of their funds prior to making a purchase commitment. We assist with pre-approvals. Applications can be submitted and approved before purchase. No-obligation is attached to pre-approved offers.

Many applications can be approved in 24 hours. We provide prompt responses to all enquiries to ensure operators can capture the opportunities available.

Commercial Financing and Leasing Services Nationwide in Australia
Commercial Financing with Minimal Documentation Requirements

Your Key to Low Doc Loan Assistance
Get the Assistance Required for Low Doc Loans from a Specialist Finance Broker

Operators requiring lite doc and no financials credit can significantly benefit by using our readily available broker services. Finding the right lenders, the right options and the right solutions can be a streamlined process when you have the support and resources of our experts.

We open up access to the right sources and resources to achieve the solutions needed by operators without the right financials. Speak with us about how we may assist you to achieve your objectives.

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No Doc Loans

Credit approved with no financials provided, is a description of the applying entity. It means the applicant does not have the usual documentation required by banks and lenders to get approved. This includes tax returns, annual accounts, BAS and other accounts and turnover records.

Yes. All types of set-ups and corporate structures can apply for lite doc credit. That includes small entities operating as sole traders, self-employed and ABN holders.

To apply for funding without financials and documentation, applicants will be required to, at a minimum, have an ABN and identification. Applicants are encouraged to prepare simple accounts covering their trading and turnover to date.

Yes. When approved for funds without financials provided in the application, operators may select Chattel Mortgage or another credit product. The selection of credit products also includes Leasing, Commercial Hire Purchase and Rent to Own.

In the commercial lending sector, the reference to ‘equipment’ includes all types of plant, machinery and equipment which is used in a commercial operation. Equipment as deemed an asset by ATO guidelines. That may include many goods across all industries.

Interest rates for commercial funding are offered by lenders based on individual assessments of each application. The rate offered will be determined by the credit profile and ability to furnish the commitment as deemed by the lender. Applications without financials are not automatically subject to higher rates than fully documented applications.

Yes. All types of vehicles can be acquired with lite doc funding. This includes vans, utes, SUVs, wagons and passenger cars. Vehicles must be for use in the operation, under ATO rulings.

The quantity of financials provided in a credit application determine whether the application is for no financials or lite doc funding. ‘No’ implies no financials are available. ‘Low’ implies partial documentation is available.

Yes. Rent to Own can be selected as the credit product for applicants for funding based on having no financials. The choice of credit product should include consideration of the suitability of the features and benefits to the accounting practices and other objectives of the operation.

When approval for funding without financials, operators are entitled to the relevant tax deductions applicable to the credit product selected. The tax deductions vary with different credit products.

The best credit product for an operator requiring funding approval without financials is determined by which is most suited to their requirements. Credit products including Chattel Mortgage, Leasing, CHP and Rent to Buy have varying features in regard to compatibility with accounting methods and other aspects. Operators should review the features of each product in conjunction with an accountant to determine the best option for their profile.

Some lenders will approve lite doc funding applications based on turnover over a 6 month period. Operators can present simple spreadsheets and/or bank statements to verify turnover.

Applications for commercial car funding can be submitted and approved prior to purchase. The application is submitted based on an estimate of the amount required and details of the vehicle to be purchased.

Bank statements are considered as suitable financials to be included in a lite doc funding application. Some lenders approve applications based on turnover and this may be verified by bank statements.

There are lenders that will approve funding applications without all the usual financials including tax returns. In not having an annual tax return, it may be assumed that the operation has not been trading for a full 12 months/financial year. Other or no documentation may be presented. There are specialist non-bank lenders that do approve applications without tax returns.

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Our Lenders

Trusted by 60+ lenders Australia-wide

Automotive Financial Services
Finance One
Commonwealth Bank
Pepper Money
National Australia Bank
Get Capital
Selfco Leasing
Scottish Pacific