Flexible finance solutions for self-employed and business borrowers who can’t provide full financial documentation
Our low doc commercial loans provide flexible pathways for business owners, investors and developers who may not have recent tax returns but can verify income through other means such as BAS statements, accountant letters or bank statements.
At Alpha1 Financial Solutions, we combine legal and finance expertise to structure loan applications that meet lender requirements and get deals over the line faster even for complex borrower profiles.
Low Doc Commercial Loans
A Low Doc Commercial Loan allows business owners and investors to access funding without needing full financial statements.
Instead of tax returns, lenders accept alternative income evidence such as BAS statements, accountant declarations, or business bank statements – making it faster and more flexible for self-employed borrowers.
Simplified Documentation
| Verify income using BAS, accountant letters or bank statements – no full tax returns required. |
Faster Turnaround
| Streamlined assessment and approval for quicker access to funds. |
Tailored for Self-Employed
| Designed for business owners, investors and contractors with complex income streams. |
Flexible Loan Structures
| Choose from interest-only or principal-and-interest options aligned with your cash flow. |
Low Doc Commerical loan Features
Our low doc lending options are structured to make commercial funding more accessible without compromising on professionalism or compliance:
Who Uses Low Doc Commercial Loans
Low doc commercial loans are suitable for borrowers who have strong business performance but can’t produce full financials at the time of application. Typical borrowers include:
If your business performance is solid but documentation is still in progress, this solution can help you keep momentum.
HOW IT WORKS
We streamline the process from initial discussion to settlement, ensuring your application is structured to meet lender policy from day one.
Step 1: Discovery & Eligibility Check
We assess your business structure, goals and available documentation.
Step 2: Lending Strategy & Documentation
Our team identifies suitable lenders and helps compile the right combination of BAS, accountant letters or statements.
Step 3: Application Submission & Approval
We prepare and present your application to lenders, highlighting strengths and mitigating risks.
Step 4: Settlement & Ongoing Support
Receive guidance through settlement, refinancing and future borrowing needs.
Low doc lending needs more than forms. It needs smart structuring, the right lender, and clear negotiation.
Decades of combined experience across finance, law and banking. We structure applications to meet policy and reduce friction.
We learn your goals and documentation position, then tailor a lending pathway that fits your business and timelines.
Efficient assessment, clear checklists and proactive lender engagement to keep approvals moving.
Access to non-bank and niche lenders across Australia for complex or non-standard scenarios.
For a low doc commercial loan, while full financials aren’t required, lenders will typically ask for alternative documentation to verify income. This may include alternative income evidence such as BAS statements, accountant letters, or recent business bank statements in place of tax returns.
Yes, some lenders will consider low doc commercial loan applications from businesses with an ABN that is less than 2 years old, particularly if you have strong trading history, asset backing or a good deposit. However, newer businesses may face stricter conditions or lower maximum borrowing amounts.
You can use a low doc commercial loan to purchase a range of property types including warehouses, offices, retail spaces, industrial units and even mixed-use developments. Some lenders may also approve loans for specialised or non-standard properties on a case-by-case basis.
Generally, yes. Since low doc loans carry more risk for the lender due to reduced documentation, interest rates are typically higher than full doc commercial loans. However, competitive rates are still available, especially if you have a strong deposit, good credit history, or valuable property as security.
DISCLAIMER
The information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Terms, pricing and eligibility for lending products and finance solutions can vary depending on the lender, product type, borrower profile and project details. Independent professional advice is recommended before acting on this information.
