Commercial Loans
Low Doc Commercial Loan
Commercial finance for business owners whose income documentation doesn't fit a standard servicing model.
Business owners often have complex financial positions — income spread across entities, reinvested profits, or a structure that simply doesn't present neatly on a tax return. Low doc commercial lending assesses serviceability through alternative evidence rather than full financials.
What's accepted varies by lender: a business activity statement, an accountant's declaration, or a borrower-declared income with supporting trading evidence are all possibilities depending on the scenario and the LVR.
As with residential low doc, expect tighter LVR limits and a rate premium relative to full doc lending. Our job is to establish what you can document, then find the lender who will accept exactly that — rather than forcing you into a paperwork exercise you can't complete.
What we look after for you
Establishing what documentation you can genuinely provide
Approaching lenders who accept that evidence type
Comparing cost against a full doc alternative
Managing the application through to settlement
Talk to a broker about this
Every situation is different. Tell us what you're trying to do and we'll come back with a straight answer — free, and with no obligation.