Low Doc Equipment Finance

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

Finance type

Loan amount

Enter the approximate amount you’d like to finance.

Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

Percentage of the loan left owing as a final lump-sum (balloon / residual).

Estimated repayments

Monthly repayment

$0.00

Approx. weekly

$0.00

Loan amount $0.00

Interest rate 0.00% p.a.

Term 0 months

Balloon / residual $0.00

Total repayable (incl. balloon) $0.00

Estimated interest over term $0.00

This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Equipment finance without the mountain of paperwork banks demand. Low doc finance uses your ABN, bank statements, and a signed declaration instead of tax returns, profit and loss statements, and years of financial history. Designed for self employed operators who have the income but not the paperwork.

Check Eligibility Now Get Pre-Approved

30-second check. No impact on your credit score.

Choose your industry

Choose the category that best describes your finance requirement.

Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

Other

Submitting this form does not lock you into finance.

$50M+ in equipment financed

3x faster decisions than major banks

Dedicated support to find the best solutions

ASIC licensed & regulated

LOW DOC FINANCE

Low Doc Finance for Self Employed Equipment Buyers

Low doc does not mean low quality. Our lenders still conduct proper credit assessments. The difference is they accept alternative evidence of income rather than demanding the full documentation package that only suits PAYG employees and established companies with pristine bookkeeping.

If you are self employed, a contractor, or run a seasonal business, you know the frustration of being asked for two years of tax returns, accountant prepared financials, and detailed profit and loss statements just to buy a piece of equipment. Low doc finance removes these barriers. Instead, we use your recent bank statements and ABN history to verify your income and serviceability.

Trucks

Semi-Trailers & Trailers

Refrigerated trucks

Excavators & Loaders

Cranes & Site Machinery

Trailer Trucks

Tractors & Harvesters

Yellow Goods

Skid Steers & Access Equipment

Bank statements replace tax returns

Provide your last 3 to 6 months of business bank statements. Lenders review the cash flow patterns, average balances, and income deposits to assess serviceability.

Self declaration of income

You sign a declaration stating your income and confirming the information is accurate. This replaces the need for accountant prepared financial statements.

ABN history matters

Most low doc lenders require a minimum ABN history of 12 to 24 months. Some accept shorter periods for applicants with strong credit and relevant industry experience.

Rates may be slightly higher

Low doc rates are typically 0.5% to 1.5% higher than full doc rates, reflecting the reduced documentation. However, for many self employed operators, the convenience and speed far outweigh the small rate premium.

Get Pre-Approved Today

Sole traders and partnerships
Owner drivers and subcontractors
Tradies and construction operators
Farmers with seasonal income
Consultants and freelancers
Franchise operators

Seasonal income businesses
Cash intensive operations
Businesses with multiple entities
Recent restructures
Growing businesses reinvesting profits
Businesses between accountants

ABN 12 to 24 months old
Startups with trading history
Operators transitioning from employment
New franchise owners
Recently registered companies
First time equipment buyers

Trucks, trailers, and transport
Excavators, loaders, and earthmoving
Tractors and agricultural equipment
Forklifts and warehouse equipment
Manufacturing machinery
Commercial vehicles and utes

HOW THE PROCESS WORKS

How Low Doc Approval Works

A straightforward process from enquiry to approval.

Complete the Form
In 60 Seconds

Provide us with some basic information about your business and financing requirements via our secure website.

Speak With an
Industry Specialist

Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.

Get Pre-Approved
Over the Phone

Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.

Financing
Secured

Your finance broker will work with you to source the best funding offers available and guide your application to success.

Barinder Singh

Transport Operator

Non-property owner

No deposit

24hr turnaround

2025 Tipper Trailer

Transport

$150,000

Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.

Get a Quote Like This

2005 CAT Excavator

Contractor

$60,000

Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in

Get a Quote Like This

Bradley Moore

Owner-Driver

Private sale

Low Doc

24hr approval

2019 Scania Truck

Contractor

$100,000

Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.

Get a Quote Like This