Low-doc equipment finance, without the paperwork
If your ABN is established and a director owns property, you can often finance equipment with no tax returns, BAS or bank statements.
Plenty of business owners qualify for low-doc (sometimes called 'load-up') finance and don't realise it. If your ABN has been active for 2+ years, you're registered for GST and a director owns property, finance can often be arranged without supplying financials at all — frequently into six figures. It's faster, lighter on paperwork, and exactly how a lot of commercial asset finance is written.
Who it's for
Established sole traders, family businesses and contractors without current financials prepared.
Established ABN + property usually means no financials
Low-doc lenders lean on your trading history, credit profile and the director's property position rather than tax returns and bank statements. The stronger your profile, the more you can access — often into six figures. We'll tell you honestly whether low-doc or a full submission gets you the better rate, because sometimes full-doc is worth the extra step.
Built for owners whose financials lag behind reality
Low-doc isn't a loophole — it's how a large share of commercial asset finance is written. It suits established sole traders, family businesses and contractors whose tax returns haven't caught up to current trading, or who simply don't want to dig out years of paperwork to buy a truck or a machine. If you're trading well, the lack of lodged financials needn't hold you back.
A property-owning director strengthens the deal
Low-doc lenders take comfort from a director who owns property, even when it isn't used as direct security. It signals stability and gives the lender confidence to approve without full financials, which is what unlocks the lighter paperwork and the higher limits. If no director owns property, finance is still possible — it just shapes which lenders fit.
Raising cash against owned gear is usually low-doc too
If your business owns an asset outright, you can often borrow against it — typically up to around 90% of current market value — to free working capital, and these capital-raise and sale-and-buyback deals are generally written low-doc. It's one of the most under-used moves in commercial finance: equity sitting idle in a machine put back to work without a mountain of paperwork.
Low-doc doesn't have to mean a poor rate
Less paperwork doesn't automatically mean a worse deal. We compare a panel of commercial lenders to get a competitive rate on a low-doc submission, and we structure it well with the right balloon and term. Occasionally a full-doc application earns a sharper rate that's worth the extra effort — we'll tell you when that's the case.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Typically a registered ABN active for around two years, GST registration, a clean credit history, and ideally a director who owns property. Meet those and finance can usually be arranged without tax returns, BAS or bank statements. Newer businesses or larger amounts may need more — we'll let you know where you stand.
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Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.