Minimal Documentation Business Loans Made Simple

Access business funding without complicated paperwork.

Some lenders may offer rapid assessments depending on your profile.

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 minimal documentation business loans matter

When you need funding quickly, gathering paperwork can slow everything down.
This can create:

  • Cash flow pressure

  • Supplier delays

  • Slower business operations

  • Missed opportunities

  • Stress and uncertainty

Minimal documentation business loans remove these delays.

We work with lenders who focus on:

  • Streamlined requirements

  • Real-time business performance

  • Simple, fast approval processes

  • 3–6 months of bank statements only

  • No unnecessary documentation

What is a minimal documentation business loan?

A minimal documentation business loan allows you to access funding with very limited paperwork, usually just bank statements.
You do not need to provide full financials, tax returns or detailed reports.

This suits businesses that:

  • Want fast, simple access to funding

  • Don’t have updated financials

  • Haven’t lodged recent BAS

  • Prefer a low-paperwork lending process

  • Need flexibility and speed

Who this suits best

Minimal documentation loans are ideal for:

  • Trades and service businesses

  • Seasonal businesses

  • Growing companies with new turnover

  • Businesses without recent financials

  • Owners wanting fast funding without complexity

  • Businesses with strong daily or weekly cash flow

How much you can borrow

Most minimal documentation lenders offer:

  • $5,000 to $500,000

  • Terms from 3–24 months

  • Daily, weekly or monthly repayments

Your borrowing range is based primarily on your recent bank statements.

What lenders look for

Even without paperwork, lenders assess:

  • Average monthly turnover

  • Number and consistency of deposits

  • Account conduct (reversals, dishonours, overdraws)

  • Seasonality

  • Existing liabilities

  • Daily balance trends

  • Time in business

Most lenders only need 3–6 months of bank statements.

Benefits of minimal documentation business loans

  • Fast assessments

  • Minimal paperwork

  • No financial statements required

  • No BAS required (for many lenders)

  • Clear, straightforward process

  • No credit score impact to check options

  • Suitable for newer and growing businesses

Common uses

  • Working capital

  • Stock purchases

  • Supplier invoices

  • Equipment repairs

  • Marketing

  • Cash flow management

  • Project preparation

Check my business loan eligibility (30 sec)

Eligibility criteria

Most lenders require:

  • Minimum 3–6 months in business

  • $8,000–$15,000 monthly turnover

  • ABN registered and trading

  • Business bank account

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

How the process works

1. Quick pre-assessment (30 sec)

No credit score impact.

2. Provide bank statements

3–6 months is suitable for most lenders.

3. Compare lender options

We shortlist lenders specialising in minimal documentation approvals.

4. Get funded quickly

Depending on your profile, some lenders may settle within 24 hours.

See which options you may qualify for

100% free · No credit score impact · No obligation

Why choose Casey Asset Finance

  • We specialise in minimal-paperwork business lending

  • Fast, uncomplicated guidance

  • Clear steps from start to finish

  • Access to multiple low-doc lenders

  • Rapid assessments and same-day feedback

  • Transparent, no-pressure support

What you can expect

  • A simple, step-by-step process

  • Clear expectations from the start

  • Tailored lender recommendations

  • Fast communication

  • A transparent timeline

  • Support through to settlement

Frequently asked questions

  • Depending on your profile, some lenders may approve within 24 hours.

  • No. Most lenders only require bank statements.

  • No. We explain everything before any application is submitted.

  • Most lenders offer 3–12 month terms, with some extending up to 24 months.

Ready to explore minimal documentation business loan options?

See what your business may be eligible for — with no impact on your credit score.

See Your Loan Options (Takes 30 Secs)

100% free · No credit score impact · No obligation

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