Current ABN Required
A current ABN is required as is ID. We do have lenders that approve credit even if the ABN was only obtained within days of the application.
No and Low Doc Loans
Compare our current commercial funding rates as a starting point for planning. We prioritise achieving the cheapest rates across our complete selection of funding products. Our cheaper rates do not automatically climb for operators without financials. There can be variations in rate offers for all types of applicants. To know exactly what rate you could be offered, request a credit quote online or over the phone.
Why Aussies Choose Jade
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The easy application process provides you with comprehensive information. Make a fully informed decision on your commercial loan.
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With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
No Financials? Get Workable Solutions with Our No Doc and Low Doc Loans
Starting a new venture or running an enterprise for only a short time, can place operators in a difficult position when it comes to applying for funding. The dilemma of not having all the financials such as tax and BAS returns and annual accounts, to complete the commercial credit application as required by many banks and lenders. But there are lenders that will approve applications with financials and Jade Finance has access to these opportunities through our specialist commercial lending services.
With over 80 lenders in our lending panel, we have the right lenders to assist operators without financials to source solutions to fund truck, motor vehicle and equipment purchases and for other cash flow support and expenditure. Through our expertise, resources and specialist capabilities, competitive rates, workable terms are affordable credit outcomes are achievable. If you’ve hit a roadblock in acquiring the necessary funding or as the best place to start – contact us to discuss how we can assist you.
How to Apply for Low Doc and No Doc Finance
When using Jade Finance, the application process is simple and extremely straightforward. One of our brokers will be allocated to handle your application from the initial contact right through to settlement.
Your Jade Finance consultant will assist you with ensuring the application is completed as fully as possible to meet our lender criteria.
As a general guide to applying for lite doc and no financials credit, here is an overview of what may be required from you:
GST Registration
It is not essential to be registered for GST, however, there are lenders that see GST registration as a positive – worth considering.
Financial Information
We encourage applicant to provide as much financial information on their operation as possible. Gather what is available – BAS, accounts, turnover figures, spreadsheets demonstrating cash flow, and bank statements.
Bank Statements
Bank statements are important as they allow lenders to verify any figures which have been prepared by the applicant.
Accountant Records
If accountant-prepared records are not available, we encourage applicants to prepare what they can, if possible. Even simple figures may enhance the application and contribute to an even better solution.
Personal Finances
With small, one or two person enterprises, it can be typical for lenders to request details on the personal financial position of the owners.
Purpose for Loan
Information on the purpose for the credit – what is being purchased including details of truck, car and machinery model and if purchasing new or used goods.
How to Get No Doc Loan Estimates for Comparison and Planning Purposes
To take those acquisition plans to the next level, use our online credit calculator to calculate estimates on repayments and to compare different car, truck and equipment models. With this handy device, users input their own amounts to see how funding at different loan amounts, different balloons and over different terms result in different repayments. Great for planning and comparing and our consultants are contactable by phone or online to give you a specific quote.
- Compare Low Doc Loan Repayments
- Compare No Doc Loans for different makes and models.
- Free to use, no obligation attached
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Specialised Business Finance
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Get Expert Low Doc Finance Support and Services
The no financials area of commercial credit is quite specialised as not all banks and lenders are active in this section of the market. Using the services of a professional, specialist commercial credit broker can be a smart move by operators requiring lite doc credit solutions. Our consultants handle the entire credit process on behalf of customers. We find the lender that is best suited to the requirements, negotiate the cheapest interest rates and the most workable terms while you concentrate on running your venture. We have lenders that approve lite doc credit on the basis of strong cash flow and on turnover for as little as a 6 month period.
As specialist brokers, we know what is referred to as the matrix used by our lenders. That is the criteria or guidelines that each uses to approve applications and the basis for which they make rate offers. Using this intel and our connections to deliver better solutions.
We assist operators throughout Australia via our online service delivery options so anyone requiring no financials credit can access options for their necessary funding.
- No Doc Loan specialist brokers.
- Australia-wide Low Doc Finance services.
- Help, support and real action from experts in No Doc Finance.
Fast approvals – 24 hour turnaround for many applicants. Contact Us today.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/02/2026 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 Loans FAQs
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No. It is not a criteria to be GST registered for GST when applying for commercial credit.
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Where a venture does not have all the documents to meet bank or other lender guidelines, they may seek lenders and brokers that offer lite doc funding.
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Yes. Commercial credit applications can be approved prior to the goods being selected or the purchase committed to.
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Some lenders will approve no financials applications based on turnover figures for 6 months.
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Prior to applying, lite doc applicants can use an online credit calculator to calculate estimated repayments.
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Yes. Lite doc and no financials funding includes the relevant deductions as per the credit product selected.
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No deposit funding is available on commercial credit subject to lender approval.
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The key difference between no financials and lite doc is the amount of documents provided in the application. No implies no records while lite implies some are provided.
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Yes. All types of vehicles can be funded with lite doc motor vehicle credit. That includes SUVs, utes, commercial vans and passenger cars.
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A balloon is available on Chattel Mortgage and CHP lite doc credit.
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Without financials funding may be used to fund trucks, motor vehicles, plant, machinery and equipment.
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Yes. When approved for commercial credit, operators can select from Leasing, Chattel Mortgage, Rent-to-Own and Hire Purchase to fund trucks.
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To apply for lite doc funding, applications must have an ABN and provide what financial records and documents on the trading and status of the operation.
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Yes. All types of commercial operations can apply for lite doc credit as long as they have an ABN.
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Doc is the abbreviation for documents as used by the lending sector. It refers to financial records of an entity.