Loan Products
Low Doc Commercial Loans
Alternative income verification for self-employed borrowers. Secure funding via BAS, accountant declarations, or business bank statements without waiting on finalized tax returns.
200+ lenders
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25+ years
In commercial finance
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ABN 91 135 045 340
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Finance that moves at the speed of your business.
As a business owner or self-employed investor, your financial returns often lag behind your actual cash flow. A Low Doc (Low Documentation) loan recognises this reality, allowing you to prove serviceability using alternative documentation rather than up-to-date tax returns.
We structure Low Doc facilities with specialist commercial lenders who understand complex entity structures and trading cash flow. This agility means you can capitalise on commercial property opportunities immediately, rather than waiting for your accountant to finalize last year's figures.
Verification Options
- Accountant's Declaration: A letter from your accountant verifying your income and ability to service the loan.
- Business Activity Statements (BAS): Using the last 6-12 months of ATO-lodged BAS to annualise your trading income.
- Business Bank Statements: Assessing the last 6 months of trading statements to demonstrate consistent cash flow.
Reference library
Related guides
Deeper reference material on this topic from our commercial property finance library.
Commercial Loan Documentation Requirements: The Complete Australian Guide
What Australian commercial lenders actually require — the four documentation lanes (Full Doc, Low Doc, Lease Doc, Asset Lend), entity-specific requirements, common red flags and a complete pre-submission checklist.
Bank vs Non-Bank Commercial Property Loans: Choosing the Right Lane
How to choose between bank and non-bank lenders for an Australian commercial property loan — the structural differences, pricing gap, LVR and policy, speed, covenant flexibility, when each lane is the right answer, and the role of private credit.
How to Refinance a Commercial Property Loan in Australia
A practical, lender-aware guide to refinancing commercial property debt in Australia — when refinance makes sense, the triggers that drive it, lender re-assessment mechanics, cash-out, structure changes, costs and the timeline that actually works.
Low Doc Commercial Loans — FAQ
The most common questions from self-employed and entity-borrower clients pricing a Low Doc commercial loan.