Paperwork behind? That's who we're for.

Who we help

Plenty of good businesses don't have a neat pile of tax returns and accountant-signed financials. The owner has been flat out. The bookkeeper left. The company is new but the trade isn't. The return is with the tax agent and won't be lodged for months. The tax return shows a loss because of a big equipment year, even though the bank account tells a healthier story.

Those are the people No Doc Business Loans is built for: self-employed operators, sole traders who've just incorporated, new owners of established businesses, cash-and-card trades, contractors with work in hand, and anyone whose paperwork has fallen behind their business.

What we believe

No doc never means no evidence. Every lender needs to understand what a business earns, whether it can repay, and what happens if it can't. When the usual documents don't exist, other evidence can answer the same questions: BAS, business bank statements, an accountant's letter, ATO records, contracts and invoices, or equity in property. Our job is to find the evidence you have and match it to a lender that accepts it.

We'd rather tell you honestly that a few more months of statements will open better options than push an application that doesn't fit.

Our promises

• No credit check to enquire. Asking what your paperwork situation allows doesn't touch your credit file. A credit check only comes up once you choose to go ahead.
• No spray-and-pray. Your enquiry isn't fired off to a list of lenders. One team reads it and matches your evidence to the lender that accepts it.
• A real person on your file. A lending specialist looks at what you've got, not just what you're missing, and calls you. Honest form answers mean the right match first time.

We also ask one thing of you: please fill in the enquiry accurately, including the paperwork that's behind. Honest answers are how we match you properly the first time.

How we work

You start with a short enquiry. A lending specialist reads it, calls you, and works out which evidence carries your file. Some lenders lean on BAS, some on statements, some on security. We take your situation to the one that suits it, and only with your agreement. Read the full process on how it works, or check your own evidence first with the substitute checker.

What we can help fund

• Property-secured options (first and second mortgages, caveat loans) from $20,000 to $5,000,000 against residential or commercial property.
• Unsecured, cash flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
• Past credit issues and ATO debt considered case by case.
• Business purposes only. We don't publish interest rates, because every loan is priced on the business's own circumstances.

Who operates this site

No Doc Business Loans is an Australian business finance service for business owners whose paperwork is behind. You can reach us on 03 6237 0710 during business hours, or start an enquiry online at any time.