Are you finance-ready?
Five quick questions tells you whether you're likely low-doc eligible and exactly what to have ready — and most of it is already sitting in your email.
Tradies and small business owners run lean, and the paperwork is usually the part that stalls a deal. This check gives you a plain read on your eligibility and a short, tailored list of what a lender needs — most of which you can pull from your inbox and banking app in ten minutes.
Are you finance-ready?
Five quick questions. We'll tell you if you're likely low-doc eligible and exactly what to have ready — most of it's already in your inbox.
You look like a strong low-doc candidate
An established ABN, GST registration and a director who owns property usually means finance can be arranged without tax returns, BAS or bank statements — often into six figures. Fast and light on paperwork.
- Your driver licence (photo ID)
- Your ABN (and GST registration if you have it)
- The dealer/seller invoice or quote for the asset — usually sitting in your email
- Trade-in details, if you're swapping an old asset
Indicative guide only, subject to lender assessment. General information, not credit advice.
Established ABN + property usually means no financials
If your ABN has been active for 2+ years, you're registered for GST and a director owns property, finance can often be arranged with no tax returns, BAS or bank statements — frequently into six figures. The check tells you if that's likely you.
Most of what a lender needs, you already have
The dealer or seller invoice is in your email; your bank statements download from your banking app; your ABN and licence are a click away. You rarely need the shoebox of receipts — just the short list the check gives you.
Not chosen the asset yet? Get pre-approved first
If you're still shopping, get pre-approved before you commit. Approval typically holds around 90 days, so you can negotiate as a cash-equivalent buyer and move fast when you find the right one.
Example: a 3-year electrician vs a 9-month ABN
Take an electrician with a 3-year ABN, registered for GST, where the director owns property: that profile is often a clean low-doc deal, potentially into six figures, with no financials required. A 9-month ABN with no property behind it usually heads down a full-doc or deposit path instead — still very doable, just a different list of documents. These are general examples of how lenders look at it, not a decision; every application is subject to the lender's assessment.
Under two years trading? You still have options
A shorter trading history doesn't shut the door — it usually means showing a bit more, such as bank statements or a deposit, and matching you to the right lender. We compare a panel of commercial lenders so a newer ABN is assessed by the ones most comfortable with it. The check flags which path is likely yours.
Chattel mortgage, structured around your cash flow
Whatever path you're on, we arrange the finance as a chattel mortgage so you own the asset from day one — we don't do hire purchase or finance lease. We focus on both a competitive rate and a structure, including term and balloon, that suits how you trade. Final terms always depend on the lender's assessment.
Common questions
It means finance assessed on your trading history, credit profile and the director's property position rather than full financial statements. For an established ABN it's faster and far lighter on paperwork — it's simply how a lot of commercial asset finance is written.
Related finance
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