Business loans, minus the paperwork pile
No doc against property. Low doc on bank statements. Full doc when it gets you a better deal. Tell us what you've got, and one real person works out which one fits.
No credit check to ask
Asking what's possible leaves your credit file alone. A credit check only happens if you decide to go ahead with an application.
Not sprayed to a list
Your details don't get blasted to a dozen lenders. One person looks at your situation and picks the lender that fits it.
One real person
Someone who understands business lending reads your enquiry and calls you. Fill in the form accurately and the first answer you get is one that can actually happen.
Three levels
The paperwork a lender asks for depends on what's carrying the loan. Property, bank statements or full financials. Pick the column that sounds like you.
No doc.
Property does the talking
Low doc.
Your bank statements do the talking
Full doc.
Your financials do the talking
Every loan is assessed on its own facts. We never publish rates, because they depend on your situation.
Start where you are
How much paperwork?
No doc, low doc or full doc. Each level asks for different things and suits a different kind of borrower. Find the one that matches the paperwork you actually have.
Built around the borrower
Sole traders, tradies, the self-employed, new businesses and small companies all get looked at differently. Here's what lenders want to see from each of you.
The loans themselves
Unsecured, second mortgage, caveat, line of credit and the rest. What each one is, when it fits, and what it asks of you, without the jargon.
The usual bank loan, and the alternative
A traditional business loan application can run to a folder of documents. Specialist lenders that work on a no doc or low doc basis ask for less because they lean on something else: property, or the money moving through your account.
That doesn't make it a free-for-all. It means the questions are different, and usually quicker to answer. See the full business loan checklist for every level.
| A full doc lender may want | A low doc or no doc lender often takes |
|---|---|
| Two years of lodged tax returns | Often not needed for no doc or low doc |
| Accountant-prepared financial statements | Bank statements can stand in for many lenders |
| A detailed business plan | A clear sentence on what the money is for |
| Weeks of back and forth | One person who asks for each thing once |
Free tool
The paperwork matcher asks about your property, your tax returns, your BAS, how long you've traded and how you're set up, then tells you which paperwork level fits and exactly what to gather. Nothing you enter leaves your browser.
Straight answers
No doc means no checks.
No doc means fewer documents, not no assessment. Lenders still check ID, the property, the title and that the loan can be repaid or exited.
Low doc is only for people with bad credit.
Most low doc borrowers simply haven't lodged last year's return yet, or run a business that's grown faster than the paperwork.
Sole traders can't get business loans.
Sole traders borrow every day. Lenders look at the ABN, how long it's been active and what lands in the bank account each month.
You need to be trading for two years.
Some unsecured lenders start at around six months of trading. Property-backed lenders can go earlier again.
Guides
Late tax returns don't have to stop a business loan. What lenders accept instead, which options stay open and a practical plan to catch up while you borrow.
What a business lender actually looks for in your bank statements: deposits, balances, dishonours, other lenders and ATO payments, and how to prepare yours.
Sole trader or company: how your business structure changes what lenders ask for, who is liable, how guarantees work and whether restructuring first helps.
A no doc loan leans on property as security, so the lender asks for very little about the business. A low doc loan usually doesn't need property and is assessed on 6 to 12 months of business bank statements instead of tax returns.
Unsecured, cash flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-backed business loans from $20,000 to $5,000,000 (first mortgages, second mortgages and caveat loans over residential or commercial property).
No. There's no credit check when you first enquire. One only happens if you decide to go ahead with a particular lender.
Not always. Many low doc lenders work from bank statements, and no doc lenders work from the property. Lodged returns do widen your choice of lenders, so lodge them when you can.
Yes. Sole traders, tradies, contractors and the self-employed all apply. You'll need an active ABN and, for most unsecured options, a business bank account with regular deposits.
No. One person reads your enquiry, works out which lender fits, and talks to you before anything goes anywhere.
No. Everything here is for business purposes only.
Business purposes only. We never publish interest rates; every loan is priced on the business's situation.
Tell us what you need and what paperwork you've got. One real person reads it and calls you back. No credit check to ask.
No credit check to ask
Not sprayed to a list
One real person
