Finance for the Self-Employed
Sole traders, ABN holders, contractors, and business owners are assessed differently by lenders. We understand how self-employed income works — and which lenders are worth approaching for your situation.
Start an enquiryWho we can help
- Sole traders and ABN holders
- Company directors and business owners
- Contractors and freelancers
- Low-doc and alt-doc loan options
- Cars, utes, vans, and light commercial vehicles
- Equipment and machinery
- Refinancing existing business loans
How it works
Tell us your situation
Share how your business is structured, how long you have been operating, and what you are looking to finance. No paperwork required at this stage — just a conversation.
We identify suitable options
Self-employed applicants are assessed differently by lenders. We review your circumstances and identify lenders whose criteria suit your income structure — whether that is full-doc, low-doc, or alt-doc.
Documents and application
Depending on the lender and loan type, documents may include ABN registration, BAS statements, tax returns, or accountant's letters. We will tell you exactly what is needed before anything is lodged.
Approval and settlement
Once approved, we manage the settlement process and keep you informed through to completion. Direct communication throughout — no handoffs.
Common questions
Can I get finance if I have only recently started my business?
Some lenders have minimum trading period requirements. Others are more flexible. We will identify which lenders are likely to consider your application based on your specific circumstances.
What is a low-doc or alt-doc loan?
Low-doc and alt-doc loans are designed for borrowers who cannot provide traditional income evidence such as payslips. They typically use alternative documentation — BAS statements, bank statements, or an accountant's declaration — to verify income. We will explain whether this type of product suits your situation.
Do I need two years of tax returns?
Not always. Requirements vary by lender and loan type. Some lenders accept less documentation depending on your ABN history, business structure, and the amount being borrowed. We will clarify what is needed before any application is lodged.
Can I finance a vehicle for mixed personal and business use?
Yes. Many lenders accommodate mixed-use vehicles. The loan structure and potential tax treatment may differ — speak with your accountant about what suits your situation. We can help identify the right product type.
Will applying affect my credit file?
A formal credit application involves a credit enquiry, which can affect your credit score. We discuss your situation first so you understand your options before any application is lodged.
How does broker remuneration work?
We charge a brokerage fee for our service. We may also receive a commission from the lender when a loan is settled. Both will be disclosed to you before you proceed.
Self-employed and need finance?
Every enquiry is handled personally. Tell us your situation and we will find out what is available.
Credit products are subject to lender eligibility criteria, credit assessment, and approval. Applicants may or may not qualify. Whether a product is suitable for you will depend on your individual circumstances.
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