Low Doc Commercial

Low Doc commercial loans are primarily utilized by businesses and investors who require financing for commercial properties but may encounter challenges providing traditional income documentation. Here are some examples of who may use Low Doc commercial loans:

  • Small business owners: Entrepreneurs who own small businesses may find it difficult to provide extensive financial documentation required by traditional lenders. Low Doc commercial loans offer a streamlined alternative for acquiring financing to purchase or refinance commercial properties, allowing these business owners to access capital for their expansion or operational needs.
  • Real estate investors: Investors specializing in commercial properties, such as office buildings, retail centers, or multifamily units, often opt for Low Doc loans to expedite the financing process. These investors may have multiple properties and complex financial portfolios, making traditional income verification cumbersome. Low Doc commercial loans provide flexibility by considering alternative forms of income documentation, such as bank statements or rental income.
  • Start-up businesses: New businesses with limited operating history may not have sufficient financial documentation to qualify for conventional commercial loans. Low Doc commercial loans provide a viable option for start-ups to secure financing for their commercial property needs, enabling them to establish or expand their operations without the extensive paperwork required by traditional lenders.
  • Seasonal businesses: Businesses with seasonal revenue fluctuations, such as tourism-related enterprises or agricultural ventures, may find it challenging to provide consistent income documentation. Low Doc commercial loans offer flexibility by not requiring extensive financial paperwork, making them suitable for seasonal businesses seeking to acquire or refinance commercial properties.
  • Self-employed professionals: Individuals who are self-employed, such as consultants, contractors, or freelancers, may choose Low Doc commercial loans due to the variability of their income streams and the challenges associated with documenting their earnings. These borrowers can leverage their commercial properties to grow their businesses or invest in real estate while minimizing the documentation requirements typically associated with traditional commercial loans.

Overall, Low Doc commercial loans provide a flexible financing solution for businesses and investors who may have difficulty meeting the stringent documentation requirements of traditional lenders. These loans enable borrowers to access the capital they need to acquire, refinance, or invest in commercial properties without the hassle of extensive income verification, supporting their growth and investment objectives.

Loan Details


Purchase, Refinance, Cash Out Commercial

Loan Type

Low Doc - Accountant’s letter or most recent 12 months BAS

Borrower Type

Company Borrower with ACN or Corporate Trust

Loan Amount

Up to $2,500,000 per security*


Up to 65%

Security Type


Metro Postcode

NSW/VIC/QLD – max LVR 65% - max loan size $2.5m**

Regional Postcode

NSW/VIC/QLD – max LVR 65% - max loan size $1.5m**


Up to 30 years


Indicative rates from 8.60%
* Loading on amounts over $1,500,000
** Max exposure to a single borrower $5,000,000
The above is for reference purposes only and is subject to credit approval and is subject to change at any time