Low Doc Commercial Loans for Self-Employed Borrowers

Low doc commercial loans help self-employed business owners, sole traders and company directors access finance without the full financial statements a traditional application requires. If you have an ABN but your tax returns aren't up to date, SB Finance can arrange commercial finance assessed on alternative evidence such as bank statements, BAS or an accountant's declaration.

Low doc lending suits established businesses that trade profitably but can't easily produce two years of financials — whether you're newly self-employed, between tax lodgements, or simply prefer a streamlined application. We use it across vehicle and equipment finance, commercial property, working capital and business expansion, structuring repayments to match how your business actually earns.

Rates and terms on low doc commercial loans depend on your security, deposit and trading history, so the right lender match matters. We explain what's involved up front, outline your likely repayments and costs, and handle the paperwork so the process stays simple from enquiry to settlement.

With access to over 40 lenders, including all the major banks and specialist commercial financiers, SB Finance compares low doc options across the market to secure a competitive package for your business in Sydney and the Hills District. Talk to our team to find out what you could qualify for.