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No time to apply for a traditional Business Loan?

Financials not up to date?

Frustrated with Red Tape?

Low Doc Business Finance

Our Low Doc Business Finance requires no security, no fixed/floating charge, no tax returns, no accountant letter, not even BAS statements. For loans up to ....


Our Unsecured Business Loans are much easier and quicker to organise than traditional Business Loans and are a perfect solution if time is of the essence or your historical financials don't reflect your current profitability. Typical acceptable purposes include:

  • Cash Flow shortfall due to overdue Debtor/s
  • Setup costs to take up a new Contract
  • Fitouts
  • Renovations
  • Business Expansion
  • Operating Expenses
  • Business Acquisition
  • Debt Consolidation
  • Marketing and advertising
  • Purchase Inventory
  • Equipment Upgrades
  • Payment of Tax Debt (case by case)
  • Any other sensible Business purpose (call us)

Ask Now! or Call 1300 736 976

Minimal Documentation Required

NO Tax Returns, Accountants Letters or BAS Statements for Loans up to $50,000. For loans over $50,000, we may need further Financial Statements to better understand your financial strength. In all cases, we will initially require your last 3 months Bank Statements so we can understand the volume and frequency of cash that flows in and out of your business. A simple one page Application Form and ID is also required. We will also need to know what the funds are needed for.

No Security Required

The loan is genuinely UNSECURED. Applicants / Directors do not need to own Real Estate to apply (Directors Guarantees are required).

Fast Approval

48 hours for Loans to $50,000, 96 hours for Loans above $50,000. Funds deposited to your Account within 24 hours of Approval.

High Approval Rate

Currently over 80% of Loans are approved.

Large Loan Amounts Possible

Up to $500,000.

Easy Renewal

Ongoing access to funds is a simple process once you have established a track record with us.

No Separate Setup Costs

All costs are reflected in the regular repayment. There is no cost to apply for a loan (regardless of the outcome).

Credit Issues Considered

eg: Minor Defaults, Trade Disputes etc.

Loan Term

From 3 months to 24 months.

No Deposit Required

We will advance you 100% of the requested funds provided your Bank Statements support your request.

No Fixed or Floating Company Charges

For loans less than $100,000.

Ask Now! or Call 1300 736 976

Does it cost anything to apply?

No, but we cannot provide you with a quote until we have your Bank Statements, the required Loan Amount and Term, the Funds purpose and an Application Form. You are under no obligation to proceed.

Is there any qualifying criteria?

Yes, your Business must have been operating for at least 12 months (minimum 6 months considered if strong cash flow). An indicative minimum average monthly turnover of $7,500 per month is also required.

What is the interest rate?

We do not quote an Interest Rate. We will quote you a "repayment factor" (which includes all setup and legal costs). The factor will depend on the amount that you want to borrow and the term of the loan. For example, if you want to borrow $25,000 over 3 months then we may quote a repayment factor rate of 1.30%. This means that you will repay $25,000 times 1.3 over the 3 month term of the loan (repayments are made on either a daily or weekly basis, by direct debit). It's simple to understand and easy to budget for.

Is this loan expensive?

Compared to? This loan is 100% UNSECURED and is established based on MINIMAL FINANCIALS. If you have been in business for more than 2 years and have the time and paperwork to apply for a traditional Bank Business Loan then you should definitely go down this path. However, if an opportunity presents itself and you need money fast to take advantage of that opportunity, then this loan may be the perfect solution for you.

How is my borrowing power determined?

We will examine your last 3 months Bank Statements and determine the nett result over that period (after allowing for any "once off" expenses that you may identify). If the "ins" are greater than the "outs", then you may be eligible for a loan of up to 80% of the average monthly turnover. If the "outs" exceed the "ins", then it is unlikely that you will qualify for a loan unless a suitable explanation can be provided. Our view is that this approach best represents a snapshot of how your business is running right now.

What are the repayment terms?

Repayment are P&I from your nominated Bank Account on either a Daily (eg: Retailers and businesses that receive daily income) or Weekly basis (all others).

Can I have an interest only loan?

No, All Loans are P&I and must be fully repaid over the contracted Loan Term.

What are the establishment costs?

There are no setup costs (all costs are included in the factor rate).

Are any industries excluded from applying?

We are unable to assist Developers or other Applicants that cannot demonstrate a consistent and regular cash flow.

Ask Now! or Call 1300 736 976

Need help understanding your loan options?Please call us on 1300 736 976 or send an enquiry now.