No-Financials Business Loans Made Simple
Get access to business funding without digging up your full financial statements.
Depending on your situation, some lenders may offer rapid assessments.
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
Why accessing funds without full financials matters
When your financial statements aren’t ready or up to date, delays can create real pressure for your business:
Missed opportunities
Supplier delays
Slowed growth
Cash flow strain
Project setbacks
Stress and uncertainty
No-financials business loans exist to remove that pressure.
What is a no-financials business loan?
A no-financials business loan allows you to access funding without providing full financial statements, tax returns, or aged reports.
Instead, lenders assess your recent bank statements, turnover, and account conduct to determine your eligibility.
These loans are ideal for businesses that:
Don’t have up-to-date financials
Haven’t lodged recent BAS
Need funding fast
Want a simpler approval process
Want to avoid delays with accountants
If you’re exploring all options, you can also view our full range of Business Loans.
Who this suits best
You may be a strong candidate for a no-financials business loan if your business:
Has steady weekly or monthly turnover
Has clean account conduct with minimal reversals
Is growing or managing seasonal demand
Has older financials that don’t reflect current performance
Needs simple, efficient funding
Wants to avoid complex paperwork
How much you can borrow
Loan amounts vary based on turnover and recent performance, but most no-financials lenders offer:
$5,000 to $500,000
Terms from 3 to 24 months
Daily, weekly, or monthly repayment options
Your bank statements carry the most weight in determining your borrowing range.
What lenders look for (without full financials)
Even without financial statements, lenders still assess key indicators:
Monthly or weekly turnover
Number of deposits
Average daily balance
Account conduct (reversals, dishonours, overdraws)
Seasonality trends
Existing liabilities
Time in business
In most cases, 3–6 months of bank statements are enough for lenders to complete an assessment.
Benefits of no-financials business loans
No tax returns required
No BAS required (for most lenders)
Fast approval process
Minimal documentation
Suitable for newer or growing businesses
Clear, simple application steps
No credit impact for checking your options
Common uses for this type of funding
Working capital
Stock purchases
Marketing campaigns
Trade expenses
Covering supplier invoices
Equipment repairs
Managing seasonal cash flow
Preparing for upcoming contracts
Eligibility criteria
Most lenders require:
Minimum 3–6 months in business
Minimum $8,000–$15,000 monthly turnover
Active Australian 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)
Provide basic details — no credit score impact.
2. Provide recent bank statements
Most lenders only need 3–6 months of statements.
3. Receive tailored lender options
We compare lenders who specialise in minimal-documentation approvals.
4. Get funded in as little as 24 hours
Once approved, funds can settle quickly depending on your situation.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance?
Business owners choose Casey Asset Finance because we focus on:
Clear guidance at every step
Fast, simple lending pathways
Lenders tailored to your specific situation
Honest, transparent communication
Support without pressure
Your business is supported with a straightforward, personalised experience from start to finish.
What you can expect
When you enquire, you can expect:
A quick assessment with no credit impact
A clear explanation of your options
Lenders matched to your situation
Straightforward documentation
A transparent, supportive process
No pressure — ever
You stay in control at all times.
Frequently asked questions
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Depending on your situation, some lenders may offer approvals within 24 hours.
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Loan amounts depend on turnover strength, cash flow, and time in business.
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No — most no-financials lenders don’t require them.
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No. We will explain this before any application is submitted.
Ready to explore your no-financials loan options?
You’ll receive:
A quick pre-assessment
Clear explanation of your options
Guidance on what lenders need
Support throughout the process
100% free · No credit score impact · No obligation