Low Doc Business Loans Australia
Fast, flexible funding — no tax returns, no worries.
Get approved even when you don’t have paperwork.
✔︎ 100% free pre-assessment
✔︎ No credit score impact
✔︎ Compare 40+ trusted lenders
100% free · No credit score impact · No obligation
🏆 Finalist – Lenders’ Choice Broker of the Year 2025 (Optimise)
Trusted by Aussie business owners nationwide.
Why Choose a Low Doc Business Loan (vs Traditional Loans)?
Low Doc business loans are perfect for business owners who need fast access to working capital but don’t have financials ready. Unlike traditional loans that require full financial statements, low doc loans use real-time banking data to approve funding faster.
Unsecured options
Minimal paperwork
No exit fee options
Less time wasted
Many of our clients love that we have options where they can close off the loan early with no exit fees — reach out to learn more.
Who It’s For
Low doc business loans are ideal for:
✔︎ Business owners who haven’t done taxes
✔︎ Self-employed or ABN-registered operators
✔︎ Owner declined due to “insufficient docs”
✔︎ Owners that don’t want to provide financials.
Example: A tradesperson needing new tools or a café owner replacing equipment can apply and be funded in as little as 24 hours.
Who Qualifies for a Low Doc Business Loan?
Low doc business loans suit businesses with steady revenue and a healthy bank account. You may qualify if you:
✔︎ Have been trading for at least 6 months
✔︎ Earn $20,000 in monthly business revenue
✔︎ Have minimal adverse conduct such as dishonours
✔︎ Need it to buy stock, wages, or suppliers
It’s best to apply before you actually need the funds. Your banking conduct is one of the most important variables in a low doc loan approval following your credit report. You need to obsess and protect your bank account from any payment reversals and days the account went into negative.
How It Works
1. Tell us what you need
Choose your loan amount and purpose (takes a minute).
2. We compare 40+ lenders
We’ll match your profile to lenders most likely to approve you.
3. Approvals usually within hours
Get options to review with zero impact on your credit file.
4. Funds in as little as 24 hours
You are paid directly into your bank account - often same day.
Low doc business loans work by verifying your business health using alternative data — not formal financial statements.
Low Doc vs Full Doc Loans
Documentation
Approval Speed
Flexibility
Ideal For
Low Doc
Full Doc
Full financials
Bank statements
1-3 weeks
24–48 hours
Moderate
High
Specific needs
Fast access to funds
You can also get low doc secured or low doc unsecured loans — depending on whether you choose to provide asset security or not.
Why Businesses Choose Casey Asset Finance
✔︎ Fast Approvals – Funding options in as little as 24 hours
✔︎ True Comparison – 40+ trusted lenders reviewed for your profile
✔︎ Expert Support – Speak directly with a broker who understands small business
✔︎ Straightforward Service – No jargon or delays — just clear answers
Trusted by Australian Business Owners
★★★★★
“Efficient, professional, and incredibly knowledgeable.”
The 99 People - QLD
★★★★★
“Went above and beyond to secure me the best deal.”
Little Monkeys Cafe - VIC
★★★★★
“Saved my business when I needed support to grow”
Disability Housing - VIC
🏆 Finalist — Lenders’ Choice Broker of the Year 2025
FAQs
1. What documents do I need?
You’ll typically need your ABN, ID, and 6 months of bank statements. Some lenders may ask for BAS or revenue summaries.
2. Can I apply for low doc with bad credit?
Yes — many lenders focus on current cash flow, not your financial situation. They do this by assessing your banking data via Illion bank statements.
3. How fast can I get approved?
Pre-approvals often within hours, funding available in 24 hours.
4. Do low doc loans have higher rates?
Rates vary based on your revenue and security type. We’ll find the most competitive offer available.
5. How long do I need to have been trading?
Some lenders accept applications from ABNs active for just 6 months.
6. Can I apply for a low doc loan if I haven’t lodged BAS?
Lenders have tightened up on BAS requirements — most now need lodgements up to the last two quarters.
Compare Business Loan Types
Find the right fit for your business:
Unsecured Business Loans
Funding without using assets as security.
Low Doc Business Loans
Minimal paperwork loans for the faster funding.
Secured Business Loans
Lower rates and higher limits for asset-backed borrowers.
About Michael
Michael Pajar is the founder of Casey Asset Finance, helping Australian business owners access fair, fast, and transparent finance.
With 10+ years of financial services experience, he simplifies finance so business owners can focus on growth — not paperwork.
Related Resources
Explore guides and insights to help you make informed decisions:
How to Get a Low Doc Business Loan in Australia
Low Doc vs Full Doc Business Loans Explained
Low Doc Business Loans — What You Need to Know
We help Australian business owners get the finance they need — fast, simple, transparent. See your options today and find the best low doc business loan for your business.
100% free · No credit score impact · No obligation
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100% free · No credit score impact · No obligation