Option 1Low doc
Best forEstablished ABNs without current financials
What lenders look atA signed income declaration plus ABN and GST history
Good to knowSome lenders want a deposit or property behind it
What we finance
Files a bank won't fit
No current financials, a newer ABN or marks on your file? Specialist lenders on our panel are set up for these.
- Work utes, vans and trucks
- Excavators, bobcats and attachments
- Trade and site equipment
- Business car upgrades
- Cars for the self-employed
- Car loans after credit issues
Start to settlement
You do three things. We do the rest.
We check your ABN age, paperwork and credit file against lender rules, place it with the lender most likely to say yes, lodge it and chase the lender, and settle with the seller.
Get Approved- Tell us what you needA couple of minutes online. No credit check for a quote.
- Have your documents readyDriver licence, proof of income and the vehicle or equipment details.
- Pick it upWe settle with the seller.
Your situation
What is your situation?
Specialist lenders are set up for the files a standard bank checklist does not fit. Pick the closest.
Self-employed
Lumpy, seasonal income reads badly on a bank checklist. Some lenders read your business bank statements, BAS or an accountant's letter instead.
More on self-employed car loans
Newer ABN
Most low doc lenders prefer an ABN aged two years or more, but some will consider newer ABNs with a deposit or property backing.
Paperwork behind
Accountant behind, business growing fast or a recent change of structure? ABN and GST history, bank statements or a signed income declaration can do the job.
Past credit issues
Specialist lenders read the story behind your credit file, not just the score. You get a straight answer before anything is lodged.
More on bad credit car loans
Structures and options
Low doc, alt doc or specialist?
Less paperwork does not mean no paperwork. These are the three routes specialist lenders use.
Option 2Alt doc
Best forSelf-employed with lumpy or seasonal income
What lenders look at3 to 12 months of business bank statements, BAS or an accountant's letter
Good to knowShows real turnover in place of tax returns
Option 3Specialist credit
Best forDefaults, a discharged bankruptcy or a thin file
What lenders look atWhat happened, when, and what has changed since
Good to knowDefaults drop off your credit file after five years
Lenders price low doc and specialist loans to reflect the reduced paperwork and risk, and each sets its own rules, so we check where you stand before anything is lodged.
Get ApprovedRepayment estimator
Work out your repayments
Move the sliders to see roughly what repayments could look like. When you enquire, we compare real lender options for your situation.
Indicative estimate only. The rate is an example you choose, not a rate we are offering. Actual repayments vary by credit profile, lender, fees and product type, and this is not a quote or an offer of credit.
The process
How it works
1
Step 01
Two-minute enquiry
Tell us about your business and what you are financing. It does not affect your credit score.
2
Step 02
Honest assessment
We check your ABN age, paperwork and credit history against lender criteria before anything is lodged.
3
Step 03
Matched to a lender
We place your application with the lender whose rules fit your situation, so you are not collecting declines.
4
Step 04
Approval and settlement
We manage the lender and settle with the seller. Every approval is subject to lender criteria and credit assessment.
Why Solvyr Capital
Finance brokering done right.
We work with clients and lenders right across Australia. As a credit representative under AFAS Group's Australian Credit Licence, we're held to strict compliance and professional standards.
We move fast
Quick answers and updates at every step. Your time is money and we don't waste it.
Licensed & compliant
CR No. 576829 under AFAS Group ACL 414426. FBAA M-362098. AFCA 121188.
Deals others can't do
Self-employed, adverse credit, new ABN, specialist assets. Our lender relationships are built for it.
Transparent & honest
We work for you, not the lender. Straight about your options, the fees and the best path forward.
Highly recommend Solvyr Capital. They helped me with finance for my car and made the whole process very quick and easy. Very professional, easy to communicate with, and everything was explained clearly. Great broker and great service. Thank you!
Highly recommend!! Wouldn't go anywhere else. Super efficient, professional service.
Had a great experience with Nash, very friendly extremely helpful was super good process getting my loan with Solvyr
The detail
Know before you apply
The longer read, for when you want the full picture. Tap a topic to open it.
What low doc actually means
Banks typically want two years of financial statements, tax returns and BAS before they will look at a business loan. Plenty of good businesses simply do not have those documents ready, because the accountant is behind, the business is growing fast, or the structure changed recently. Low doc finance exists for exactly this situation.
Instead of full financials, low doc lenders rely on things like your ABN and GST registration history, a signed income declaration, bank statements, or the equity you hold in property or the asset itself. The trade-off is that each lender has its own rules about who qualifies and for what, which is where a broker earns their keep.
What you can finance low doc
- Work vehicles: utes, vans, trucks and dual cabs, usually via chattel mortgage
- Yellow goods and machinery: excavators, bobcats, attachments
- Trade and site equipment: from compressors to scaffolding
- Business car upgrades where the vehicle is used mostly for work
Typical low doc requirements are an active ABN (lenders like to see it aged, commonly two years or more), GST registration for larger amounts, a clean repayment history and sometimes a deposit or property backing. Newer ABNs can still be workable with the right lender.
Why go through Solvyr
Low doc is the least standardised corner of business lending. One lender will do a new ABN with a deposit, the next wants two years of GST history but no deposit, a third will only look at property owners. Applying to the wrong one wastes time and adds an enquiry to your file.
We deal with more than 30 lenders including the specialist and non-bank funders who actually write this stuff. You tell us your situation once and we place it with the lender most likely to say yes at the sharpest terms available for your profile.
Good to know
FAQs
Rather talk it through?
or call 0468 157 797
Tell us what you are looking to finance and get a straight answer. The enquiry does not affect your credit score.
Get Approvedor call 0468 157 797
What documents do I need for low doc finance?
Usually your ABN details, photo ID and an income declaration. Depending on the lender and amount, bank statements or proof of property ownership can strengthen the application. It is a fraction of what a full doc application needs.
How new can my ABN be?
Most low doc lenders prefer an ABN aged two years or more, but some will consider newer ABNs with a deposit or property backing. We will tell you honestly which lenders are realistic for your ABN age.
Is low doc finance more expensive?
Lenders price low doc loans according to the reduced paperwork and risk, so rates are typically higher than a full doc bank loan. The right structure still often beats waiting months for financials. We compare the panel so you see the sharpest option you qualify for.
Can I claim the finance on tax?
Business use portions of interest and depreciation are often deductible, and structures like chattel mortgages are popular for exactly that reason. Speak to your accountant about your specific situation, as we do not give tax advice.
How fast can equipment finance settle?
For straightforward low doc deals with responsive suppliers, approval can land within 24 to 48 hours and settlement inside the week. Complex assets or private sales take longer.
