Low Docs Business Loans – No Doc Finance
As specialist commercial lending brokers, we have access to the right lenders for operators without financials. The right lender can be significant to achieving a workable solution in all types of commercial funding. But for operators that do not have all the required paperwork, the right lender can make the difference between getting approved and having the credit application rejected.
Why Jade Finance?
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Access the Right Lenders for Low Doc and No Doc Business Loans
As with all commercial credit applications, those without financials are individually assessed by our lenders when making rate offers. A specific quote will be required to obtain the exact rate that you will be offered. But to start the planning process, use our current rates to compare credit facilities and work up budgets. Rates are not necessarily higher for applicants without financials so call us for a quote and put your plans into action.
Working with us, operators can access over 80 lenders which include our specialist non-bank lenders that can offer highly competitive rates and terms for operators without full documentation. Have the conversation with one of our brokers and find out how we can support your objectives with the right funding solutions.
How to Estimate Finance with a Low Doc No Doc Business Loan Calculator
Our self-service credit calculator makes the process of estimating funding a quick and simple exercise. The hard work of computations of interest over time is all handled by the device. Users only need to type in the amounts for their funding. Use our current rates for the purpose of calculating estimates.
This device allows a clearer idea to be formed around preferences for credit structure to brief our brokers.
- Compare Repayment Estimates with Varying Terms, Balloons.
- Compare Repayment Estimates on Different Vehicle, Machinery Models.
- Easy and free to use with no obligation.
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Why Using Our Brokers Can Help to Find the Best Low Doc Business Finance Interest Rates
Not all banks and commercial lenders actively offer lending to enterprises without financials. But as a specialist in commercial lending and with a keen awareness of the number of Australians venturing into their own enterprises, we do include this specialist area in our portfolio. We have the lenders in our panel that do make highly competitive offers in this area, and we identify which lender is best suited to each of our customers.
With our extensive experience we know the matrix used by each of our lenders and with the facilities of our technology resources, we can quickly match lender and customer. Some of our lenders will approve lite doc funding based on a strong cash flow and 6 months of turnover data.
We minimise the time and effort required of our customers by handling all aspects of the lender negotiations and discussions. Using our bargaining power, built-up over 25 years in the sector, to benefit customers with better rates.
Operators in all areas of Australia can access our services, submit requests and applications online with many approvals in 24 hours.
- Low Doc Business Financing specialist brokers.
- Strong bargaining power, more lenders for better rates.
- 80+ Lenders – expert lite doc lenders with fast approvals.
- Australia-wide services – all enterprises, all industries.
Defining No Doc and Low Doc Business Loans
Enterprises requiring this type of funding are those that do not have the full documentation or financials to fill out the standard commercial lending application form. These financials may be income tax returns, bank statements, turnover and cash flow figures, BAS returns, annual accounts and other types of data to demonstrate the position of the operation.
Where an enterprise is just starting up or has only been trading for a short period, it is typical that they would not have accrued all or any of this information. They require without financials or lite doc lending which describes the application and is not a specific credit facility product.
Contact us for current information.
Types of Low Doc Financing Products We Offer
The same credit facilities are available for lite doc applicants as for fully documented applications. Operators can select the facility that best meets the objectives and accounting practices of their commercial enterprise.
- Asset Acquisitions such as:
- Leasing,
- Chattel Mortgage,
- Commercial Hire Purchase,
- Rent-to-Own.
- Secured Commercial Funding.
- Unsecured Commercial Lending.
Get Better No Doc Loans From the Experts at Jade Finance
We have the proven ability to secure better lite doc lending with our large selection of lenders, extensive knowledge of the commercial lending market and our enthusiasm to assist our customers to achieve their objectives. Our brokers assist with preparing applications and encourage customers to prepare what information they can to strengthen their application.
We handle every enquiry on an individual and personal basis to ensure the outcome is tailored to suit specific goals and includes the lowest rate achievable.
- 25+ years commercial broker experience.
- 80+ lenders.
- Specialist, expert, personal service.
Request a Free Finance Quote now.
Purposes for Low Doc and No Doc Finance Solutions
- No Doc Motor Vehicle Finance.
- Low Doc Equipment Loans.
- No Doc and Low Doc Loans for Trucks.
- Low Doc Commercial Loans.
Speak with one of our specialist brokers to find your best solution.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 16/09/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Low No Doc Business Loans FAQs
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No. Not being registered for GST does not prevent an enterprise from applying for funding.
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Where an application has been rejected by a bank, operators may apply for lite doc or without financials funding through commercial brokers and specialist non-bank lenders.
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There are lenders that do approve commercial lending based on strong turnover for a 6 month period.
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Yes. An online credit calculator as provided by banks, non-bank lenders and brokers can be used to calculate funding estimates.
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Yes. Without financials is a description of the application not a specific credit facility. Without financials applicants can realise all appropriate tax benefits from their choice of credit facility.
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Yes. Utes, cab chassis and other vehicles to be used in the commercial operation may be purchased using lite doc funding.
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If CHP or Chattel Mortgage is selected for lite doc funding, a balloon is an optional inclusion.
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All types of equipment that will be used in a commercial entity, plant and machinery, all types of vehicles and all grades of trucks can be financed with lite doc funds.
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Leasing is one of several credit products available for without financials heavy vehicle funding. Chattel Mortgage, Rent-to-Own and CHP are also available.
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To apply for funding without financials, applicants will need an ABN and whatever accounts and trading data they have available. This may be as little as 6 months’ worth of turnover figures.
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All enterprises with an ABN are entitled to apply for commercial funding including for lite doc funds. Additional security and/or personal financials may be assessed with the application for sole traders.
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Where an enterprise does not have all the documentation that is requested in lending application forms, they are referred to as requiring lite doc funding.