Service
If you run an ABN, a company, or a trust, your tax return rarely tells the full story. We work with your accountant to surface add-backs, normalise one-off expenses, and match you to lenders whose policy fits how you earn.
Typically we ask for your last two tax returns, your recent BAS, and 6 to 12 months of business bank statements. If your financials are older than your current trading, we can often use BAS or an accountant's letter instead. With your permission, we speak to your accountant directly so you are not stuck relaying questions between us.
Include any contract, settlement or finance date in your enquiry. We say what is realistic and what we need first.
Start an assessmentStep 1
We review the last two years of returns, BAS, and business activity to work out which evidence path fits: full doc, alt doc, or low doc.
Step 2
Working with your accountant, we identify add-backs (depreciation, one-off expenses, interest on debt being refinanced) so the lender assesses your income fairly.
Step 3
Different lenders accept different evidence, some use latest-year income, others average two years, some accept BAS, some accept accountant declarations. We shortlist the lenders whose policy fits your evidence.
Step 4
We package the file so the credit assessor understands your business before reading the numbers.
Most lenders typically want 24 months of ABN registration with two years of financials, but several accept 12 months trading and one full year of financials. A few specialist lenders go shorter.
A low doc loan uses alternative income evidence (BAS, accountant letter, or business bank statements) instead of full tax returns. It usually costs a bit more, but can be the right answer when financials do not reflect current income.
Not always. A formal payment plan in good standing is acceptable to several lenders. We plan around it.
Yes. We package trust and company financials with director's guarantees into clear lender submissions.
Tell us about your situation so a broker can review your enquiry and discuss the next step with you.