Low Docs Business Loans – No Doc Finance

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.

Compare Our Low No Doc Loan Interest Rates

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With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Access the Right Lenders for Low Doc and No Doc Business Loans

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. 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.
Connect with Suitable Lenders for Low-Documentation and No-Documentation Business Loans

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.

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Asset Acquisitions – Leasing, Chattel Mortgage, Commercial Hire Purchase, Rent-to-Own

Secured Commercial Funding

Unsecured Commercial Lending

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 operators to compare repayment estimates on different amounts to compare makes and models, on different terms and with varying balloons. Enabling 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.
How to Calculate Finances Using a Low-Documentation and No-Documentation Business Loan Calculator

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.

Purposes for Low Doc and No Doc Finance Solutions

We provide lite doc funding for a range of commercial purposes and asset acquisitions.

  • No Doc Motor Vehicle Finance
  • Low Doc Equipment Loans
  • No Doc and Low Doc Loans for Trucks
  • Low Doc Commercial Loans

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.
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*The purpose of the interest rate comparison table is to provide a guide only and for comparing the interest rates on different commercial loan products. Quoted repayments are based on advertised rates and do not include lender fees and charges. An offer made to you by a lender may be at a different interest rate and have a different repayment. Using this device is not an application, any indication of an offer, and is not a loan approval.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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Low No Doc Business Loans FAQ's

  • No. Not being registered for GST does not prevent an enterprise from applying for funding.

  • 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.

  • There are lenders that do approve commercial lending based on strong turnover for a 6 month period.

  • Yes. An online credit calculator as provided by banks, non-bank lenders and brokers can be used to calculate funding estimates.

  • 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.

  • Yes. Utes, cab chassis and other vehicles to be used in the commercial operation may be purchased using lite doc funding.

  • If CHP or Chattel Mortgage is selected for lite doc funding, a balloon is an optional inclusion.

  • 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.

  • Leasing is one of several credit products available for without financials heavy vehicle funding. Chattel Mortgage, Rent-to-Own and CHP are also available.

  • 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.

  • 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.

  • 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.