No financial documents
No tax returns, no BAS, no profit and loss. ABN and trading history do the qualifying. Useful when financials are out of date or simply not the point.
Low-doc finance
Finance without the paperwork. Up to $250,000.
No tax returns, no financials, no BAS. For established ABNs that need to move when an opportunity does.
No financials requiredABN 12+ monthsSame-day approvalsNo upfront fees
Why VGFS for this
Why VGFS for this
Built for speed
Without the financial review, applications move differently. Pre-approvals typically within hours of submission. Settlement inside 48 hours when the asset's ready.
Knowing when it fits
Low-doc isn't always the right move. Sometimes a full-doc approval gets a better rate and worth the extra paperwork. That call is part of what we do for you.
Get a quote
Tell us what you need.
No credit enquiry. We'll come back with options in one business day.
Frequently asked
Common questions about low-doc finance.
- What's the low-doc limit?
- Up to $250,000 across most lenders for asset and equipment finance. Some lenders go higher with light documentation. We'll tell you which lender fits your number.
- What do you actually need from me?
- Your ABN, business details, and a description of what you're financing. That's the starting point. We come back to you if any specific lender needs more.
- How long does my ABN need to be active?
- 12 months is the standard minimum across most lenders. Specialist lenders consider shorter trading histories on a case-by-case basis, depending on the applicant's broader profile.
- Can low-doc work for newer businesses?
- Under 12 months trading is tougher but not impossible. Often it's a case of finding the right specialist lender. Worth a conversation.
- Are low-doc rates higher?
- Sometimes, slightly. The trade-off is speed and simplicity. Part of our job is telling you whether the rate difference is worth it for your situation, or whether full-doc is actually the better move.
Ready to talk?
Get a quote in under a minute. No credit enquiry, no commitment, no awkward sales calls.