Low Doc Business Loans

Yes, we specialise in low doc business lending for established business owners who prefer speed over paperwork. Consistent cash flow, business experience, and your track record matter far more than having textbook financial statements.

We understand that smart business owners often structure their affairs to minimise tax, which doesn’t always create impressive-looking financial statements.

You can use business funding for working capital, equipment purchases, vehicles, business expansion, shop or office fit-outs, debt consolidation, or any other legitimate business purpose.

We’re deliberately flexible because business opportunities come in many forms. The key is demonstrating how the funding will benefit your business and improve your ability to service the debt.

Borrowing capacity depends on your business cash flow, existing assets, what you’re funding, and your overall financial position. We typically arrange funding from $50,000 up to several million dollars for the right scenarios. Unlike banks that rely on rigid formulas, we assess each business individually based on its actual performance and potential.

Yes, we can structure loans with or without security depending on your needs, risk profile, and borrowing amount. Secured loans typically offer better interest rates and higher borrowing limits because there’s tangible security. Unsecured lending provides more flexibility but usually costs slightly more and has lower limits.

With the right documentation and a clear purpose, funding can often be arranged within days rather than weeks or months. Business opportunities don’t wait around for slow approval processes, and neither should your finance.

We understand that timing is often critical in business, so we’ve designed our processes for speed without compromising quality.

Equipment finance is secured against specific assets and typically offers better interest rates because the security is clear. Working capital provides flexibility for materials, wages, stock purchases, and unexpected opportunities but usually costs slightly more. Many businesses use a combination of both to optimise their funding mix.

Usually yes, business loan interest is typically 100% tax deductible when used for business purposes. Smart business owners use debt strategically to grow faster than they could with cash alone while maximising tax efficiency. The tax benefits often make business lending very cost-effective when you factor in the real after-tax cost.

This depends on the loan structure, business strength, and the level of security available. We aim to minimise personal exposure where possible while still securing competitive terms and appropriate loan amounts. Established businesses with strong cash flow and good security often avoid personal guarantees entirely.