Low-doc loans let you borrow using alternative evidence of income, such as BAS, bank statements or an accountant's letter, instead of two years of full financial statements.
13 products from 3 lenders ยท Last checked 24 Sept 2026
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Products that lenders publish as low doc or as needing reduced documentation.
13 products from 3 lenders
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Business car loan from $5K to $100K over 2 to 7 years, with low doc options, including for start-ups and non-GST-registered businesses.
Low doc business loan from $50K to $2M over 1 to 30 years, secured by property, for businesses trading 2+ years with alternative income evidence.
Low doc commercial property loan from $100K to $8M over up to 30 years for established businesses, owner-occupiers and investors.
Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.
Commercial property loan with the lightest documentation Thinktank offers, for borrowers who value speed and simplicity.
Commercial investment property loan assessed on the lease: for properties with at least a 2-year arm's length lease, over up to 25 years.
Release equity from commercial property for business expansion, working capital, investment or property improvements.
Commercial property loan where paying out ATO debt is part of the purpose. Thinktank lists tax debt as considered.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Mid Doc verification.
Short-term private loan from 3 months to 3 years secured by commercial property, up to $7.5M, for business or investment purposes with a clear exit.
Short-term private loan from 3 months to 3 years secured by residential property, up to $7.5M, for business or investment purposes with a clear exit.
Short-term private loan for property developers secured by unsold completed residential or commercial stock.
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They suit self-employed borrowers whose tax returns are behind or do not reflect how the business is travelling now.
Each lender has its own list of accepted documents. The product details show what each lender publishes.
Low-doc lending usually has lower LVRs or amounts than full-doc lending, reflecting the lender's risk.
Recent lodged BAS is the most common low-doc evidence. Having it ready speeds things up.
Yes, with some lenders. Low-doc products accept alternatives such as BAS or an accountant's declaration.
Usually somewhat, because the lender has less information. The gap depends on the lender, the security and your credit history.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.