Flexible Finance for the Self-Employed

Low doc car loans are designed for self-employed individuals, sole traders, and small business owners who may not have the standard financial documents typically required for traditional car finance.

Instead of full financials, these loans rely on alternative forms of verification such as:

• Business Activity Statements (BAS)

• Bank statements

• Accountant declarations

At SW Global Finance, we work with a wide panel of lenders who understand the unique challenges of self-employed borrowers and offer tailored low doc solutions.

Benefits of Low Doc Car Loans:

• Suitable for a variety of business structures and income types

• Faster application and approval process

• Options for both new and used vehicles

• May include features like balloon/residual payments to lower monthly costs

Low doc car finance can be a practical way to access vehicle funding without the hassle of full documentation—especially when timing and flexibility matter.

Advantages of a Low Doc Loan
Flexible Solutions for Self-Employed Borrowers

Self-employed individuals and small business owners often face challenges when applying for standard loans due to irregular income or limited access to traditional financial documentation.

Low doc loans provide an alternative path to finance. These loans are designed for those who can’t easily supply payslips or tax returns, and instead use documents such as:

• Bank statements

• Business Activity Statements (BAS)

• Accountant declarations

Key Advantages:

• Suitable for borrowers with irregular income or recent business activity

• Faster approval due to simplified documentation

• Access to vehicle finance even without full tax returns

Things to Consider:

Because low doc loans are considered higher risk by lenders, they often come with:

• Higher interest rates

• Lower loan-to-value ratio (LVR) limits

• Additional eligibility criteria (e.g. ABN age, asset ownership)

At SW Global Finance, we work with a broad panel of lenders offering flexible low doc solutions tailored to a range of self-employed scenarios.

We help you answer key questions like:

• What types of vehicles can be financed under low doc?

• Do you meet the ABN and business operation requirements?

• Are you eligible without property ownership?

• How does your credit profile affect your options?

Low doc loans can be a practical option for securing finance when conventional paths aren’t available — as long as you’re informed and structured the right way.