View product matrix below then click on apply if you wish to qualify for this loan and receive a detailed assessment and full cost proposal.

Low Doc Loans for Commercial Property.
If you are self employed and you do not have up to date company or personal tax returns then a low doc commercial loan may be the right solution for your lending needs.

  • Low Doc Commercial property loans available in high population cities
  • Borrow up to $3,000,000 to 70% LVR
  • Borrow up to 75% of the properties value to $2,000,000
  • Terms up to 30 years with up to 7 years interest only
  • Credit impaired, defaults and judgement options available
  • Late payments and discharged bankrupts considered with some Funders
  • Large range of lenders to find a suitable low doc commercial loan solution.

The main documents that we will accept that can be used to verify your income are:

  • An Accountants Letter verifying your income.
  • 6 months of Lodged BAS Statements from ATO Portal
  • 6 months of Business bank statements

You must have an ABN that has been registered (and possibly GST registered if income is over $75,000) Most Lenders require ABN to be registered for 2 years. We have lenders that will accept an ABN registered for only 6 months.

Loan purpose Commercial Zoned Properties
Loan term 1 > 30 years.
Interest type Variable rate.
Repayment type Principal & interest, or interest-only up to 5 years then principal & interest.
Repayment options Monthly, fortnightly or weekly.
Repayment method Direct debit only.
Maximum Loan to 75% in high population areas (capital Cities and Major Regional Towns with populations over 10,000 people
Credit history Past credit impairment can be considered at higher rates and fees
Minimum loan size $150,000
Maximum loan sizes $3,000,000 > 70% LVR

$2,000,000 > 75% LVR

Acceptable Applicants Individuals, Companies and Trusts
Annual Reviews No Annual Reviews
Cash Out Unlimted Cash out to maximum 75% LVR for all acceptable purposes including business purposes including payout ATO debts, workingcapital and purchasing business equipment.
Acceptable Securities
  • Retail Shops
  • Commercial Offices
  • Industrial Units
  • Factories
  • Shopping Centres
  • Office Buildings up to 5 Floors
  • Warehouses and Workshops
  • Mixed Residential & Commercial Use
  • Medical / Professional Suites
  • Residential Unit Blocks (4 or more)
Debt Consolidation Unlimited to Maximum 75% LVR

*Interest Rates: All rates are subject to change without notice. Please check all rates and terms before applying.
Low Doc loans are designed for the self-employed or small company borrower/s whose financial statements may not be available. Reasons for this may encompass: Their accountant hasn’t completed and lodged their financials.