The document you haven't got
Business loans without the usual paperwork
Pick the document that's missing. Each page explains why lenders normally ask for it, what they'll look at instead, and how to present it.
No tax returns
Latest tax return not lodged? See which lenders fund on BAS, bank statements, an accountant's letter or property equity, and how to present each one.
Read more →No financials
No profit and loss or balance sheet? Here's how low doc lenders rebuild the picture from bank statements, BAS, software reports and an assets list.
Read more →Overdue lodgements
Returns or BAS overdue? How lenders view late lodgements, what a catch-up plan should show, and which low doc routes can still fund you now.
Read more →No BAS (not GST registered)
Under the GST threshold, so no BAS to show a lender? How to prove turnover with bank statements, invoices, settlement reports and ABN records instead.
Read more →Books behind
Bookkeeping months behind? Lenders can work from bank statements and lodged BAS. Here's the minimum catch-up worth doing before you apply.
Read more →No accountant
No accountant to prepare financials or write a letter? The evidence you can pull together yourself from your bank, the ATO and your software.
Read more →Loss on paper
Tax return shows a loss or tiny profit but the business is doing fine? How lenders look past taxable profit to cash flow, add-backs and security.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on your file