Alternative evidence
What lenders accept instead of tax returns
BAS, bank statements, an accountant's letter, property equity, contracts and ATO records — how each one stands in for the documents you don't have.
BAS as income proof
How lodged BAS can stand in for tax returns on a low doc business loan: which labels lenders read, how many quarters to supply and how to download them.
Read more →Bank statements
When there are no financials, your business bank statements do the talking. What lenders count, what they strip out and what makes statements look stronger.
Read more →Accountant's letter
What an accountant's letter or declaration should confirm for a low doc business loan, who can write it, and when lenders accept it instead of financials.
Read more →Property equity
Own property? How equity lets a lender rely on security instead of tax returns and financials, what LVR means, and what the lender still needs from you.
Read more →Contracts and invoices
Signed contracts, purchase orders and regular invoices can show income that tax returns can't. How lenders weigh work in hand on a low doc business loan.
Read more →ATO online records
Lodged BAS, notices of assessment, account statements and lodgement history: which ATO online records help a low doc application and how to download them.
Read more →See what your business could qualify for
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