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.
Low Doc Commercial Loans are designed to assist self-employed borrowers who have difficulty in providing standard documentation required by traditional lenders such as banks. The low doc loan is typically used for small business purposes such as purchasing or refinancing a commercial property.

In Australia, there are a few lenders who specialize in providing low doc commercial loans for self-employed borrowers. These lenders offer loans to individuals who have a minimum of 12 months’ self-employment history and have a good credit history. The loan amount that can be borrowed under a low doc loan varies from lender to lender and can range from $50,000 to $5 million.

To qualify for a low doc loan, borrowers are required to provide minimal documentation such as an ABN, bank statements, and income declaration forms. Some lenders may also require an accountant’s letter confirming the borrower’s income. Interest rates on low doc commercial loans are generally higher than standard commercial loans as they are considered higher risk.

So 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 Loans available in Cat 1, 2 and 3 locations
  • Borrow up to $4,000,000 (Cat 1 locations only)
  • Borrow up to 80% of the properties value to $3,000,000
  • Terms up to 30 years with up to 5 years interest only
  • Credit impaired, defaults and judgement options available
  • 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 80% in high population areas Cat 1 Locations  (capital Cities and Major Regional Towns with populations over 20,000 people)
Credit history Past credit impairment can be considered at higher rates and fees
Minimum loan size $150,000
Maximum loan sizes $4,000,000 > 75% LVR Cat 1 Location

$3,000,000 > 80% LVR Cat 1 Location

$3,000,000 > 75% LVR Cat 2 Location

$2,000,000 > 70% LVR Cat 3 Location

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 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.