If your last two tax returns aren't a tidy story, that doesn't mean a no. Low-doc lenders use BAS, bank statements and accountant declarations instead.
If you've ever been told 'sorry, we can't see enough income' after waving years of healthy bank statements at a bank — low-doc lending exists for exactly that.
We work with lenders who assess self-employed applicants on the strength of how their business actually runs today, not whether last year's return is signed and filed.
Personal or work vehicle for an ABN holder.
Get the work vehicle without two years of returns.
Tools and machinery on a low-doc commercial deal.
Short-term cashflow facilities without full financials.
Limited options, but they exist — we know which lenders.
Sharper rates when there's property security available.
Tell us about the business, the ABN history, and the asset.
We match to lenders comfortable with your structure and trading age.
Usually BAS, recent bank statements, and an accountant's declaration.
Most low-doc deals settle within 3–5 business days of approval.
It means the lender uses simpler evidence of income — BAS, bank statements, declarations — instead of full tax returns and financial statements. Approval can be faster, sometimes at a slightly higher rate.
Yes — but the options narrow. Some lenders will fund from 3–6 months ABN with the right supporting evidence. Our guide 'Can I get finance with a new ABN?' covers the detail.
GST registration helps because it implies a certain turnover, but it's not always required. Different lenders have different rules.
Sometimes — but not always, especially for established ABN holders with strong bank statements or property security. We'll show both sides.
Absolutely. An accountant's declaration of income can unlock options that BAS alone wouldn't. We're happy to liaise with your accountant directly.
No obligation, no pressure — just a quick chat to see if we can help.