Low Doc Business Loans
Fast light-doc funding when full financials aren’t ready.
100% free · No credit score impact · Takes under a minute
★ Trusted by 40+ lenders Australia-wide.
🏆 Finalist – Lenders’ Choice Broker of the Year 2025 (Optimise)
Approval and timing subject to lender and applicant profile.
Why businesses choose Casey Asset Finance for low doc loans
✅ Specialists in low doc — sole traders and companies
✅ 40+ lenders — unsecured cash flow, low doc line of credit facilities
✅ We paint the picture — presenting your strengths, not just score
✅ Fast — indicative options same day, many decisions 24-48 hours
✅ 100% free — pre assessments to protect your credit score
✅ Early payout — options to pay off loans early without exist costs
What is a low doc business loan?
A low doc business loan gives you funding without the financials. Lenders offer loan sizes based on your monthly turnover — ranging from most lenders at 1:1 to lender that can consider up to 5:1.
Great fit when you:
Need funds quickly but financials aren’t ready — or strong
Work in construction/trades/manufacturing with cash flow issues
Need funds to pay for stock or wages during the seasonal periods
Need to access funds urgently to generate more revenue
Purposes (what you can fund)
✅ Working capital — to smooth out cash flow and pay bills on time
✅ Stock or wages — to cover upcoming costs and keep momentum
✅ Purchase equipment - for more output, and more income
✅ Purchase another business — using your existing business
✅ Tax solutions — payout tax arrears with terms up to 60 months
Products we match to your cash flow
✅ Low doc term loan — 12 to 60 months and weekly/monthly payments
✅ Low doc line of credit - payout anytime, no line & admin fees possible
✅ Low doc equipment finance - No bank statements, just ABN
✅ Short term loans — aka factor rate loans paid back daily or weekly
✅ Tax solutions — payout tax arrears with terms up to 60 months
We don’t just “max” your limit. We listen to you and present tailored options to suit you now and in future.
Rates & costs (in plain English)
Short-term factor rates - any cap lenders usually 40% pa +
Early payout option - we chase the cheapest early-payout path
Bank statements - 6 or 12-month statements via a secure link
Fees vary by lender - we show all-in before you decide.
How it works
1.
60-second preassessment
Tell us about your business. No hard enquiry. We’ll tell you if we can help.
2.
Shortlist Options
We shortlist the most competitive options for you across our panel of 40+ lenders.
3.
Submit, Approved, Settle.
We move your application forward with confidence and get you funded quickly.
Need low doc specifically? See low doc business loans.
Buying a truck? Explore truck finance brokers.
Who this is perfect for
✅ You want to keep your home off the line
✅ You need fast approval without chasing accountants
✅ You turn over $10k+ per month and want a clean, simple application
✅ You need funds for stock, wages, equipment, or cash flow gaps
✅ You value clarity and speed over weeks of back-and-forth
✅ Sole traders and small businesses needing a low doc business loan
✅ You want to compare low doc business loan rates quickly
The hidden cost of waiting
Every day you delay:
✅ Lost revenue — from missed orders and jobs
✅ Supplier relationships — and bulk discounts slip away
✅ Team strain— and productivity dips dramatically
✅ Future approvals — become harder if cash flow drops
If you’re weighing up no doc loans for small business, talk to us first—we can often place a low doc option faster and fair-priced.
Eligibility snapshot (flexible, realistic)
✅ ABN registered 6+ months
✅ $10,000+ monthly turnover
✅ No unpaid financial defaults
✅ Director score > 400
✅ Tax arrears considered
The minimum we ask for low doc small business loans:
✅ Bank statements (that’s it)
Low Doc Business Loan Interest Rates & Fees (and how we protect your credit)
✅ Rates from ~15% APR (as low as ~8.5% simple in some cases)
✅ Establishment fee 0–4% (usually capitalised)
✅ No property security (director guarantee only)
✅ Early payout: some lenders allow no penalty
✅ Soft enquiry first: no mark on your file until you’re ready
Actual pricing depends on turnover, trading stability, credit profile, and term. We’ll show you options clearly before you decide.
Already quoted a short-term, “no-doc” or factor-rate loan?
Bring us the offer. We regularly halve the effective interest when moving clients from factor-rate quotes (loans <6 months) to a cleaner, lower-cost, more flexible term that fits cash flow.
Mini case:
A client applied direct and received a 1.24 factor rate (~46–48% APR). We secured 22.5% APR over 3 years via our lender panel — saving tens of thousands over the life of the loan.
★★★★★ 5-Star Rated Service
“Michael Pajar at Casey Asset Finance was outstanding to deal with. From the very beginning, he was efficient, professional, and incredibly knowledgeable. What really stood out to me was his honesty and genuine care he showed in understanding what would work best for my business—not just pushing a generic solution.
He navigated the short-term financing process smoothly, kept me well-informed at every step, and made sure the option we chose aligned with my business needs and cash flow. It’s rare to find someone so trustworthy and easy to work with in the finance space. Highly recommend Michael if you’re looking for a reliable and smart financial support”
— Safety & Compliance Business QLD
FAQs — straight answers
Do I need property security?
Generally, if you borrow more than $250,000—yes. Otherwise, most lenders only require a director’s guarantee.
Will checking my options hurt my credit score?
Not with us. At Casey Asset Finance, we start with a soft enquiry for matching. A hard check only occurs if you apply directly with a lender, or a broker does.
Is this a “no doc” business loan?
Low doc doesn’t mean no doc. Responsible lenders verify trading via a secure bank-data link at the very least. We keep it minimal, to save you time. However, if you’re looking to buy equipment, there are a truly no doc options for those products.
How much can I borrow?
Typically, $5k –$500k, depending on turnover, time in business, and credit profile. There are other factors including industry, type of guarantee, and more, but we’ll let you know if it matters to you.
How fast can I get funded?
Usually within 24–48 hours once we receive what’s needed.
Can I repay early?
Yes. Some lenders offer no early payout penalty.
Do you offer “ABN loans no credit check” in Australia?
We don’t endorse “no credit check” lending — it’s risky and often expensive. We protect your score with a soft check first and guide you to fair-priced options. Be wary if a lender or broker offers you this option. Make sure to read all the terms and conditions.
What industries do you help?
Construction, trades, manufacturing, logistics, retail, and food service — if you’re trading, we can usually help.
What can this be used for?
Business Expansion
Unexpected Expenses
Marketing
Cash Flow Gaps
Working Capital
Buy Stock
Debt Restructure
Cover Wages
Registered With Australia's Most Trusted Credit & Compliance Bodies
We’re registered and integrated with Australia’s leading credit, compliance, and business finance organisations.
Start your low doc loan enquiry
It’s simple, fast, and easy. Let’s get you a low doc business loan today.
No hard credit enquiry for pre-assessment. Secure, private process. Response within 1 business day.
Compliance
Credit checks and lending criteria apply. Approval is not guaranteed. Fees/charges vary by lender. Final pricing depends on structure, limit, term and risk. Our pre-assessment has no hard credit check.
