Arkwealth
Specialist Lending

Struggling to get approved because you do not have full financials? Flexible finance for self-employed Australians, ABN holders and small business owners.

Apply Now 0370 477 772
  • Specialists in Low Doc Lending
  • Access to Flexible Lenders
  • No Judgment, Just Solutions
Low Doc / No Doc Finance

Low Doc / No Doc

Finance without the paperwork

Smart, flexible finance for self-employed Australians and ABN holders.

Self-employed individualsABN holdersSole tradersNew business ownersContractors and freelancersBAS statementsBusiness bank statementsAccountant declarationsAsset and liability positionsCar FinanceTruck & Equipment FinanceBusiness LoansMachinery & Asset Finance
Overview

Finance without the paperwork

Struggling to get approved for a loan because you do not have full financials? At Arkwealth, we offer smart, flexible Low Doc and No Doc finance solutions tailored for self-employed Australians, ABN holders, freelancers and small business owners.

Start an application0370 477 772
In detail

What you need to know

How we help01 / 06

Low Doc / No Doc Finance with Arkwealth

Whether you are looking to finance a car, truck, business equipment or even personal needs, we can help you secure a loan without the mountain of paperwork usually required by banks.

The detail02 / 06

What Are Low Doc / No Doc Loans?

Low Doc (Low Documentation) and No Doc (No Documentation) loans are designed for people who cannot provide traditional proof of income, like tax returns or pay slips, but still have the ability to repay the loan. These loans are perfect for:

At a glance03 / 06

What we finance

  • Self-employed individuals
  • ABN holders
  • Sole traders
  • New business owners
  • Contractors and freelancers
The detail04 / 06

How We Assess Your Application

We assess your ability to repay using alternative documentation such as:

At a glance05 / 06

What we finance

  • BAS statements
  • Business bank statements
  • Accountant declarations
  • Asset and liability positions
At a glance06 / 06

What Can You Use a Low Doc / No Doc Loan For?

  • Car Finance
  • Truck & Equipment Finance
  • Business Loans
  • Machinery & Asset Finance
Low doc finance calculator

See the numbers on a low doc loan

Low doc rates sit a little higher than full doc. Compare both and see the real difference each month.

All calculators
$
$5,000$750,000
$
$0$54,000
$
$0$54,000

After any payout

yrs
1 yr7 yrs
%
0.00%25.00%

Illustrative rate, not a lender offer

%
0%50%

$13,500 at the end

Repayment frequency

Estimated monthly repayment

$1,756/ month

About $405 weekly or $811 fortnightly
Total payable$118,867
Amount financed
$90,395
Total interest
$28,472
Total fees
$395
Balloon at end
$13,500
Cost of financeInterest plus all fees
$28,867
Total repayments60 repayments plus the balloon
$118,867
Get a finance quote
Ask a specialist 0370 477 772

Calculator results are indicative estimates only and do not constitute a finance quote, offer, approval or financial advice. Actual repayments, rates, fees and loan terms depend on the lender, product and individual circumstances.

Loan journey

How the loan runs down

$0
$33k
$65k
$98k

Year 5

Balance owing$13,500

StartYear 1Year 2Year 3Year 4Year 5
Balance owing
Why choose Arkwealth

Specialists who know the asset, the lender and you

01

Specialists in Low Doc Lending

Deep experience with lenders who accept alternative documentation.

02

Access to Flexible Lenders

A panel that looks at your real capacity to repay.

03

No Judgment, Just Solutions

Practical outcomes for real businesses and real people.

04

Fast Turnaround

Quick assessments so you can move ahead.

05

Expert Guidance

Support in preparing the right documents for approval.

Talk it through with a specialist today.

0370 477 772
How it works

Four steps to your new asset

  1. 1

    Tell us what your business needs

    The asset, the business and the timing. A short call or form is all it takes to start.

  2. 2

    Review finance options

    We compare lenders and structures and explain the trade-offs in plain English.

  3. 3

    Secure approval

    We prepare and lodge the application, deal with the lender and keep you updated.

  4. 4

    Purchase your asset and grow

    The lender pays your supplier, you take delivery and the asset gets to work.

Self-employed & ABN holders

Low Doc / No Doc Finance with a specialist in your corner.

Apply nowRequest a quote
FAQs

Low Doc / No Doc Finance questions

Straight answers to what business owners ask us most. Anything else, just call.

Ask a specialist

Who is low doc finance for?

Established self-employed business owners whose tax returns are behind or do not reflect current trading. Lenders assess BAS statements, bank statements or an accountant's declaration instead.

Is low doc more expensive?

Rates can be slightly higher than full doc and there are usually limits on the amount. For many owners the speed and simplicity are worth it.

What documents do I need?

Typically ID, your ABN details, recent BAS or business bank statements and details of the asset. We confirm the exact list for the lender we recommend.

Will an enquiry affect my credit file?

A conversation with us does not. A credit enquiry is only recorded when an application is lodged, and we only lodge once you have agreed on the lender and structure.

Explore more

Other finance solutions

Get Started Today

Ready To Finance Your Next Asset?

Take the first step toward securing the right financial solution for you. Whether it is car finance, equipment finance, business finance or personal loans, Arkwealth is here to help.

Start Your Application Call 0370 477 772