Business Owners
Self-Employed Loans
Low-doc and alt-doc pathways for business owners whose income doesn't fit a standard payslip template.
Overview
How We Approach Self-Employed Loans
Standard lending criteria are built around PAYG payslips, which rarely reflects how a business owner's income actually looks. We work through low-doc and alt-doc pathways, matching you to lenders whose policies genuinely accommodate self-employed applicants rather than penalise them for it.
Whether you are a sole trader, company director, or running a business with income that varies year to year, the goal is a lender and structure that reflects your real financial position.
Who It's For
Is this the right fit for you?
How It Works
A clear path from first call to settlement.
Discovery Call
A conversation about your business structure and income situation.
Income & Document Review
We work out what documentation your situation will need.
Low-Doc Lender Match
We shortlist lenders whose policies genuinely suit self-employed borrowers.
Application & Approval
We manage the submission and stay in contact with the lender throughout.
FAQs
Common questions about Self-Employed Loans
What documents do I need as a self-employed borrower?
This varies by lender, typically recent tax returns, BAS statements or an accountant's declaration. We will confirm exactly what is needed for your chosen lender.
What if my ABN is less than two years old?
Some lenders may still consider your application depending on your industry and history. We will explore what is realistic for you.
Do self-employed loans have higher rates?
It varies by lender and how the loan is structured. We will compare options properly as part of your consultation.
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Get Started
Ready to talk about Self-Employed Loans?
Book a free, no-obligation consultation and we will talk through your situation before any paperwork begins.