Low Doc Business Loans

Rates from 5.49%

Low Doc Business Loans – A Summary

A full documentation loan (“full doc”) is a loan that requires documentation of all income and assets, for example through tax returns and company financials. So, a low documentation loan (“low doc”) is a loan that doesn’t require the same level of documentation. It is ideal for businesses that cannot provide full documentation, perhaps because they do not have complete financial statements.

There are many reasons why companies might find themselves in this situation. They might be late or slow to file their tax returns, or can’t show a high income because of write-offs, or reinvesting profits in the business. They might have run into some problems with lending through a bank or have a complex business structure that means standard company financials do not tell the full story.

While low doc loans used to have a higher interest rate, these days, they can be quite competitive.


  • No need for financial statements and tax returns
  • Fast approval times
  • Flexible repayment options


  • Sometimes a higher cost than other loan types
  • Larger down payments are often required
Prefer to talk to a loan expert?
1300 898 765
Unsure how much you can borrow?
Try our business loan calculators

Unsecured Loan Calculator

  • Borrow without risking property / assets

  • Loan terms of 3-12 months

  • Security needed for longer borrowing

  • No personal guarantees required

How much do you need?

Over how many months?

Based on your answers,

Your estimated weekly repayments are: $1,498 / week

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

  • Borrow with the certainty of fixed repayments

  • Loan terms of 1 to 20 years

  • Monthly repayments

  • Secured & unsecured options available

How much do you want to borrow?

Interest Rate

Over How many years?

Based on your answers,

Monthly Repayments $9,666

Total Repayments $579,960

Interest Costs $79,960

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

  • No deposit options available

  • Rates from 4.09%

  • Loans from 1 - 10 years

  • Low Doc options available for business owners

What is your vehicle/equipment cost?

Interest Rate

Over how many years?

Based on your answers,

Monthly Repayments: $1,473

Total Repayments: $88,399

Interest Costs: $8,399

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

Invoice Finance Calculator

  • Loans against your outstanding invoices

  • Undisclosed options available

  • Rates from 0.5% per month

  • Same-day approvals

Outstanding Receivables

Advance Rate

Based on your answers,

Receive up front: $480,000

90 days interest costs:

Minimum $14,400

Maximum $21,600

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

How does a low doc loan work?

If you cannot provide the types of documents required for a full doc loan – such as company financial statements and tax returns – you can provide essential information through other means, such as a declaration from your accountant of your income or 6 to 12 months of bank statements. In this way, you demonstrate that you can service the loan.

Lenders consider low doc loans are a higher risk for them, so they may attract higher interest rates and charges. Some lenders also require a larger deposit, though that larger deposit may result in a lower interest rate.

A common scenario is for business owners to use low doc commercial loans to buy the premises that they are renting. But they may have difficulty showing proof of their income. For example:

For a low doc business loan, a lender will require particular ways to prove that you do, in fact, have a high enough income to make repayments on the loan. At the same time, you will need to determine the best type of low doc loan to suit your needs. In addition to basic low doc loans, there are also line of credit low doc loans and fixed rate low doc loans.

Requirements for a low doc loan

Apply for a Low Doc Loans

Find the Lowest Rates on Low Doc Loans

Get Approved

Explore more business loan options

Looking for more options?
See our complete range of loans

Find your ideal loan

It’s free and it won’t affect your credit score

Apply now