Skip to content
The Business Loan Store

Compare low-doc business loans

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.

27 products from 14 lenders · Last checked 1 Oct 2026

Not sure which lender will say yes?

Tell us about your business and explore lenders that may fit your circumstances.

Products that lenders publish as low doc or as needing reduced documentation.

27 products from 14 lenders

Low-doc business loans

Private lender

Assetline Capital Horizon Mortgages - Lease Doc

Long-term commercial property loan from $250,000 to $3M assessed primarily on the property's lease income.

Amount
$250K to $3M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
From 7.79% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Assetline Capital Horizon Mortgages - Lease Doc
Asset and equipment financierVia broker

Azora Finance Accelerate

Asset finance for vehicles, trucks, equipment and machinery for emerging businesses from 6 months in business, via brokers.

Amount
Not published
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
6+ months in business
Source dated 25 Sept 2026
Details for Azora Finance Accelerate
Asset and equipment financierVia broker

Azora Finance Streamline

Asset finance for vehicles, trucks, equipment and machinery for established businesses with 2+ years in business, via brokers.

Amount
Not published
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
2+ years in business
Source dated 25 Sept 2026
Details for Azora Finance Streamline
Bank

Bendigo Bank Lease Doc Loan

Commercial property investment loan up to $3M, assessed on the income from the commercial lease, with the term aligned to the lease.

Amount
$200K to $3M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Monthly
Trading
Not published
Source dated 25 Sept 2026
Details for Bendigo Bank Lease Doc Loan
Non-bank business lender

Capify Merchant Cash Advance

Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.

Amount
$5K to $500K
Term
3 mths to 1 yr
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily
Trading
2+ months in business
Source dated 23 Sept 2026
Details for Capify Merchant Cash Advance

Commonwealth Bank Lease Doc Loan

Loan up to $5 million to buy or refinance a tenanted commercial investment property, assessed on the property's rental income.

Amount
Up to $5M
Term
Up to 5 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Commonwealth Bank Lease Doc Loan
Private lenderRelated party

fundU Business Loan

Business-purpose loan generally secured against real estate by first or second mortgage, for working capital, expansion, equipment, refinance or tax debt.

Amount
Not published
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Monthly
Trading
Not published
Source dated 26 Sept 2026
Details for fundU Business Loan
Property-backed non-bank

La Trobe Financial Commercial Lease Doc Loan

Commercial property loan assessed on rent from a third-party leased property, $100,000 to $50 million over up to 30 years, to buy, refinance or consolidate debt.

Amount
$100K to $50M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
From 7.89% p.a. variable
Max LVR
Up to 75%
Trading
Not published
Source dated 26 Sept 2026
Details for La Trobe Financial Commercial Lease Doc Loan
Property-backed non-bank

La Trobe Financial Commercial Lite Doc Loan

Commercial property loan for self-employed borrowers using an accountant's letter and declaration, $100,000 to $50 million over up to 30 years.

Amount
$100K to $50M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
From 8.29% p.a. variable
Max LVR
Up to 75%
Trading
Not published
Source dated 26 Sept 2026
Details for La Trobe Financial Commercial Lite Doc Loan
Property-backed non-bank

Liberty Financial Business Car Loan

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.

Amount
$5K to $100K
Term
2 yrs to 7 yrs
Security
Asset-backed
Rates and other criteria
Rate
From 8.29% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
Source dated 1 Oct 2026
Details for Liberty Financial Business Car Loan
Property-backed non-bank

Liberty Financial Low Doc Business Loan

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.

Amount
$50K to $2M
Term
1 yr to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.20% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
2+ years in business
Source dated 23 Sept 2026
Details for Liberty Financial Low Doc Business Loan
Property-backed non-bank

Liberty Financial Low Doc Commercial Loan

Low doc commercial property loan from $100K to $8M over up to 30 years for established businesses, owner-occupiers and investors.

Amount
$100K to $8M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
From 8.00% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
Source dated 23 Sept 2026
Details for Liberty Financial Low Doc Commercial Loan
Property-backed non-bankVia broker

MA Money Commercial Loan

Commercial property loan through brokers, $100,000 to $8 million over up to 30 years, for purchase, refinance, cash out, debt consolidation or ATO debt.

Amount
$100K to $8M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
From 7.79%
Max LVR
Up to 80%
Trading
Self-employed: ABN 24+ months and GST 12+ months (Prime); ABN 12+ months and GST 6+ months (Near Prime)
Source dated 26 Sept 2026
Details for MA Money Commercial Loan
Property-backed non-bank

Mortgage House Chameleon - Pure Commercial Low Doc 50

Low doc variable rate loan secured by commercial property for business purposes, $150,000 to $1.5M up to 50% LVR, for purchase, refinance or equity release.

Amount
$150K to $1.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
8.19% p.a. variable
Max LVR
Up to 50%
Trading
Not published
Source dated 26 Sept 2026
Details for Mortgage House Chameleon - Pure Commercial Low Doc 50
Asset and equipment financierVia broker

Resimac Electric Vehicle Finance

Broker-submitted finance for ABN and GST registered businesses buying electric vehicles, $5,000 to $250,000 over 1 to 7 years, Low Doc or Lite Doc.

Amount
$5K to $250K
Term
1 yr to 7 yrs
Security
Not published
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
ABN and GST registered more than 1 year (Lite Doc) or more than 2 years (Low Doc)
Source dated 1 Oct 2026
Details for Resimac Electric Vehicle Finance
Private lender

Secured Lending Caveat Loan

Short-term business loan of $250K to $10M secured by a caveat over residential or commercial property, leaving your first mortgage in place, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Caveat Loan
Asset and equipment financier

SilverChef Rent-Try-Buy

12 month rental of hospitality equipment from $1,000, with weekly payments and the option to change, upgrade or buy at any time.

Amount
From $1K
Term
1 yr
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly
Trading
No trading history required
Source dated 25 Sept 2026
Details for SilverChef Rent-Try-Buy
Property-backed non-bankVia broker

Thinktank Commercial Mid Doc Loan

Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Mid Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Quick Doc Loan

Commercial property loan with the lightest documentation Thinktank offers, for borrowers who value speed and simplicity.

Amount
From $100K
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Quick Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Lease Doc Loan

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.

Amount
From $100K
Term
Up to 25 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Lease Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Property Cash Out

Release equity from commercial property for business expansion, working capital, investment or property improvements.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Property Cash Out
Property-backed non-bankVia broker

Thinktank Commercial Property Loan for Tax Debt

Commercial property loan where paying out ATO debt is part of the purpose. Thinktank lists tax debt as considered.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Property Loan for Tax Debt
Property-backed non-bankVia broker

Thinktank Residential Mid Doc Loan

Loan secured by residential property from $100K to $5M, including cash out for business use, with Mid Doc verification.

Amount
$100K to $5M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Residential Mid Doc Loan
Property-backed non-bankVia broker

Thinktank Private Commercial Loan

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.

Amount
$100K to $7.5M
Term
3 mths to 3 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 75%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Private Commercial Loan
Property-backed non-bankVia broker

Thinktank Private Residential Loan

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.

Amount
$100K to $7.5M
Term
3 mths to 3 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 75%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Private Residential Loan
Property-backed non-bankVia broker

Thinktank Residual Stock Loan

Short-term private loan for property developers secured by unsold completed residential or commercial stock.

Amount
Not published
Term
Up to 3 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Residual Stock Loan
Property-backed non-bankVia broker

Thinktank Private Vacant Land Loan

Short-term private finance using vacant land as security, considered case by case through an accredited broker.

Amount
Not published
Term
Up to 3 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Monthly
Trading
Not published
Source dated 29 Sept 2026
Details for Thinktank Private Vacant Land Loan

They suit self-employed borrowers whose tax returns are behind or do not reflect how the business is travelling now.

What to know

What counts as low doc

Each lender has its own list of accepted documents. The product details show what each lender publishes.

Expect lower maximums

Low-doc lending usually has lower LVRs or amounts than full-doc lending, reflecting the lender's risk.

Get BAS up to date

Recent lodged BAS is the most common low-doc evidence. Having it ready speeds things up.

Low-doc business loans: common questions

Can I get a business loan without tax returns?

Yes, with some lenders. Low-doc products accept alternatives such as BAS or an accountant's declaration.

Are low-doc loans more expensive?

Usually somewhat, because the lender has less information. The gap depends on the lender, the security and your credit history.

More ways to compare business loans

Not sure where you fit? Let us find it.

Tell us about your business once. We will review your circumstances and identify lenders that may be relevant.

Start typing to search finance types, lenders, products and guides.