Bank-Statement Business Loans Made Simple

Get funding using only your business bank statements — no financials required.

Depending on your situation, some lenders may offer rapid assessments.

See Your Loan Options (30 Sec)

100% free · No credit score impact · No obligation

🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by small business owners across Melbourne & Australia.

Our Panel of 40+ Lenders

Logos of Australia’s top business lenders partnered with Casey Asset Finance

Why bank-statement loans matter

When your financials aren’t ready or your accountant is behind, delays can hold your business back.

  • Slowed approvals

  • Missed opportunities

  • Supplier or wage pressure

  • Project delays

  • Cash flow strain

  • Stress and uncertainty

Bank-statement loans solve this instantly.

What is a bank-statement business loan?

A bank-statement business loan allows you to secure funding using only your recent bank statements — typically the last 3–6 months.

Lenders assess:

  • turnover

  • inflows and outflows

  • number of deposits

  • account conduct

Perfect if you:

  • don’t have updated financials

  • haven’t lodged recent BAS

  • need fast access to working capital

  • want a simpler approval process

Who this suits best

You may be a strong candidate if your business:

  • Has consistent weekly or monthly deposits

  • Shows stable turnover

  • Has clean account conduct

  • Is growing or managing seasonal demand

  • Doesn’t have updated financials

  • Wants an easy, streamlined approval process

How much you can borrow

Loan amounts depend on turnover and your recent bank performance:

  • $5,000 to $500,000

  • Terms from 3–24 months

  • Daily, weekly, or monthly repayment options

Most lenders base your borrowing capacity on monthly revenue, not financial statements.

What lenders look for from your statements

Lenders use your bank statements to assess:

  • Monthly turnover

  • Number of deposits

  • Average daily balance

  • Account conduct

  • Seasonality

  • Stability of income

  • Existing liabilities

This is why many businesses prefer this option — it’s simple, fast, and based on real performance.

Benefits of bank-statement business loans

  • No financials required

  • No BAS required (for most lenders)

  • Fast approval process

  • Simple documentation

  • Perfect for growth or cash flow

  • No credit impact for checking eligibility

  • Transparent and tailored options

Common uses for this type of funding

  • Working capital

  • Stock and inventory

  • Marketing expenses

  • Trade invoices

  • Equipment repairs

  • Seasonal cash flow support

  • New contract preparation

Check my business loan eligibility (30 sec)

Eligibility criteria

Most lenders require:

  • 3–6 months in business

  • $8,000–$15,000 minimum monthly turnover

  • Active business bank account

  • ABN registered and trading

No financial statements required.
No BAS required.
No tax returns required.

How the process works

1. Quick pre-assessment (30 seconds)

Check your eligibility without affecting your credit score.

2. Provide recent bank statements

Most lenders only require 3–6 months.

3. Compare tailored lender options

We match you with lenders who specialise in bank-statement approvals.

4. Get funded in as little as 24 hours

Fast and clear outcomes depending on your situation.

See which options you may qualify for

100% free · No credit score impact · No obligation

Why choose Casey Asset Finance

Choosing the right broker makes the entire process faster, clearer, and easier.

You’ll benefit from:

  • Direct access to 40+ lenders

  • Clear guidance with no pressure

  • Fast support with document requirements

  • A straightforward, transparent process

We focus on making approvals simple — especially when financials aren’t up to date.

What you can expect

  • Clear communication

  • Straightforward options

  • Support at every step

  • No obligation to proceed

  • Guidance based on your business’ unique needs

Frequently asked questions

  • Many lenders can provide outcomes within 24 hours.

  • Amounts vary based on turnover, deposits, and account conduct.

  • No — most lenders rely only on 3–6 months of bank statements.

  • We will explain this clearly before any application that could affect your file.

Ready to explore your bank-statement loan options?

You’ll receive:

  • A quick pre-assessment

  • Clear explanation of your options

  • Guidance on what lenders look for

  • Support throughout the entire process

See Your Loan Options (Takes 30 Secs)

100% free · No credit score impact · No obligation

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