Market Expertise
Our knowledge of the market is extensive, our lender base vast and our expertise is renowned.
Customers receive our full resources and support including assistance with completing as strong an application as possible.
Get Best Rates, Expert Lenders - Low Doc & No Doc Truck Loans
The key for new operators without financials to get approved for vehicle credit can be applying to the right lender. Finding that right lender is made easy with our specialist commercial lending services.
Why Jade Finance?
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your truck loan.
Get Pre-Approval
Save time, money, and worry - Get Pre-Approval for your finance.
Truck Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Compare Our Best Low Doc Truck Finance Interest Rates
Rates for all types of commercial credit are based on an individual application assessment by lenders. Applicants that do not have all the requirements in regard to financials are not automatically offered a higher rate than fully documented applicants. Our latest rates will provide an indication of the best rates currently on the market, sourced through accreditations with more than 80 lenders. Use these rates as a guide for comparing the different lending products and budgeting. Call us or request a quote online for our best rate based on your specific requirements.
Get Low Doc Truck Finance, No Doc Truck Loan Solutions with Jade Finance
As expert commercial heavy vehicle brokers with in excess of 25 years of experience in the field, we have the proven capabilities to achieve workable, cost-effective solutions for without financials lending.
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Complete Funding Process
Our brokers handle the complete funding process including liaison with lenders, sourcing the best rates and quote and negotiating the terms and credit conditions that will support the new venture. Utilising our professional services has been proven by many new operators over a long period to deliver the solutions they need to establish their enterprise.
Get Started
Before venturing to apply directly to a lending institution, speak with us about our workable lite doc solutions.
- Australian based, Australian operation
Over 25 years in commercial lending. - Specialist heavy vehicle lenders.
- 80+ lender base.
- Expertise, experience, enthusiasm.
- Australia-wide services – new, setting up, owner drivers.
How to Use a No Doc Truck Finance Calculator
Our online commercial credit calculation device makes obtaining estimates on vehicle funding quick and easy. All types of operators can use the device to compare estimated repayments on different vehicles and to form a clear idea of how they would like their lending structured.
The total amount can be changed to reflect the different prices of vehicles being considered. Terms and balloon/residual can be changed until a repayment that will work with cash flow is displayed. To turn these estimates into specific quotes, simply call one of our brokers.
- Self-serve repayment estimating calculator.
- Structure funding preferences.
- Compare estimated credit repayments on different priced vehicles.
Truck finance guides and resources
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
Business Finance
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Difference between No Doc and Low Doc Truck Loans
Lite doc and without financials credit refers to enterprises applying for funding without complete documentation in regard to trading history, accounts and other financials. The type of information required in the application form include bank statements, tax returns, BAS, cash flow and turnover, profit and loss statements and similar.
The key difference between the two definitions is the quantity of documentation. Some operators in the initial stages of setting up a new enterprise will typically have virtually no trading history accounts. Those that are relatively new or small typically have some.
We have lenders that do approve applicants for these types of funding based on short-term turnover and strong security. Speak with us about assisting your with your application and sourcing you a workable quote for heavy vehicle funding.
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![Father and son standing in front of their new truck they are purchasing with a rent to own finance package]()
Types of Low Doc Truck Finance Solutions
The descriptions used for applicants without financials or with very few financials refers to the enterprise and not to a special credit product. Applicants approved on the basis of very little financials can still select the most appropriate credit facility from the full range of commercial credit products.
Speaking with an accountant as to the most suitable product is advised as the credit facilities vary in regard to taxation approaches, balance sheet strategy and compatibility with accounting methods. When arranging funding we ensure a fixed rate over a fixed term and with fixed monthly payments. Lite doc credit includes all the applicable tax deductions with our brokers tax-optimising solutions to suit individual requirements. Contact us to discuss your options.
- Chattel Mortgage Lite Doc Vehicle Funding.
- Leasing Heavy Vehicles without financials.
- Heavy Vehicle CHP for new operators.
- Rent-to-Own Heavy Vehicle Funding for sole traders.
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Fast No Doc Truck Financing Approval
Using our expert broker services can not only achieve the best rates but also fast approvals. We work directly with our industry-level contacts with our lenders. Ensuring fast application approval so our customers can secure their funding and their vehicles promptly.
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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 Doc & No Doc Truck Loan FAQs
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Lite credit describes enterprises that do not have all the accounts and trading figure requirements for the standard commercial credit application form.
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Yes. All sized operations with an ABN can apply for commercial funding without full accounts information through specialist lenders and brokers.
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Having an ABN is a compulsory requirement for all forms of commercial credit. Operators in the early stages of setting up a new venture should prepare information on their financials, asset securities and trading activity as is available. Some lenders will approve applications with short-period turnover figures. Personal financials may also be required.
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Yes. The full selection of asset acquisition credit facilities may be considered by operators without financials. These are Rent-to-Own, Lease, CHP and Chattel Mortgage.
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All types of heavy vehicles are generally eligible for funding with lite doc credit. The total amount requested, which may reflect the size or type of vehicle, will be reviewed by lenders and this may impact any offer made. Subject to lender guidelines.
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Yes. All the inclusions of the credit facility selected can be realised by all approved applicants. A balloon is included with CHP and with Chattel Mortgage.
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Interest rates are offered following an assessment of individual applications by lenders. New owner drivers can be offered competitive rates through the appropriate lenders with lite doc funding.
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Yes. Approved applicants for vehicle funding without financials are entitled to all the tax benefits associated with the credit facility selected.
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Prior to requesting a quote or applying, operators may use an online credit calculator to get estimates using advertised lender rates. The results obtained on these devices are estimates only.
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Operators that have been rejected by a bank for vehicle funding may seek non-bank lenders that approve applications based on 6 months of turnover figures. A broker may assist in identifying these lenders.
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Yes. Pre-approved lite doc and without financials vehicle credit is a service provided by most lending institutions and brokers.
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It is advisable for all commercial operators to consult with an accountant to select the credit facility which is best suited to their accounting method and approach.