Low Doc Finance · Brisbane
Low Doc Finance for Self-Employed & Business Borrowers
If you're self-employed, a sole trader, a company director, or a newer business, traditional income documentation may not reflect your full picture. We work with lenders who can assess your circumstances using alternative documentation.
Check My Finance OptionsWho low-doc finance may suit
- Self-employed borrowers
- Sole traders
- Company directors
- Contractors
- Newer businesses
- Applicants who may not have two years of traditional tax returns
- Applicants whose income may require alternative documentation
What documentation might be used
Depending on the lender and your circumstances, alternative evidence may include BAS statements, bank statements, accountant letters or declarations, or other supporting documents. Requirements vary by lender, loan amount, and asset type.
Approval is not guaranteed. All applications are subject to lender eligibility criteria, credit assessment, and approval. Not all applicants will qualify.
Common questions
What is low-doc finance?
Low-doc (low documentation) finance refers to loan products where lenders accept alternative forms of income evidence rather than requiring the full suite of traditional documentation such as two years of tax returns and financial statements. It is commonly used by self-employed borrowers, sole traders, and business owners whose income may be harder to verify through standard payslips.
Can I get low-doc finance if I am self-employed?
Possibly. Some lenders offer products specifically designed for self-employed applicants. Eligibility depends on your circumstances, the lender, the asset being financed, and the documentation you can provide. We can assess your situation and advise on what may be available.
Can I get finance if my business is relatively new?
Some lenders will consider applicants with limited trading history, though criteria vary. The asset type, loan amount, and your overall financial position all play a role. We can discuss what options may be available for your situation.
Do I need two years of tax returns?
Not necessarily. Some lenders accept alternative documentation such as BAS statements, bank statements, or accountant declarations. Requirements vary by lender and product. We can advise on which lenders may be suitable for your circumstances.
What documents might I need?
This depends on the lender and your situation. Common alternatives to full financials include recent BAS statements, business bank statements, an accountant's letter or declaration, or a combination of these. We will let you know what is likely to be required once we understand your circumstances.
Can low-doc finance be used for a vehicle?
Yes. Low-doc options may be available for vehicle finance, including cars, utes, vans, and trucks used for business purposes. Lender criteria and available products vary.
Can low-doc finance be used for machinery or equipment?
Yes. Equipment and machinery finance may be available on a low-doc basis depending on the lender, asset type, and your circumstances. We can discuss what is available for your specific situation.
Not sure whether you'll qualify?
Tell us what you're looking to finance, your employment or business situation, and roughly how much you need. We'll look at your circumstances first and explain what options may be available. There's no obligation to proceed.
Credit products are subject to lender eligibility criteria, credit assessment, and approval. Applicants may or may not qualify.
Check My Finance Options