Business Loans

Low doc business loan

With alternative income verification, our low doc business loans are designed with self-employed free thinkers in mind.

Liberty Business loans

Access the funds you need without all the paperwork

Ideal for borrowers who may not have full documentation, our low doc business loan provides a practical solution to help put business ideas in action.

  • Loans up to $2M*

  • Secured against commercial or residential property

  • Up to 30-year loan terms

  • Rates from 9.20% p.a.

Easy to understand features, variables and fees


Maximum loan amount*
Minimum loan amount
Minimum loan term
12 months
Maximum loan term
30 years
Principal & interest
Interest only^
Repayments - Weekly, fortnightly, monthly

Loan variables

Security - determined on application assessment
Time in business
≥ 2 years
Loan purpose - Includes working capital, inventory purchase, property purchase, equipment purchase, business acquisitions, refinance (including tax debt)****


Loan establishment fee**
$1,950 or 1.25% of loan amount, whichever greater
Discharge fee
Deferred facility fee***
2% payable
Service fee
$30 per month
Valuation fee
At applicant’s cost

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

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Our innovation and flexible solutions have helped over 850,000 free thinkers.

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When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

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Liberty business loans FAQs

  • Low doc business loans are a way for small business owners, self-employed individuals, sole traders, and other ABN holders to meet the requirements of a business loan application. They are designed for customers who otherwise wouldn't be able to get a business loan due to their inability to validate their earnings using traditional methods. Liberty low doc business loans combine a range of flexible features for established businesses. To see if you qualify for a loan with Liberty, speak with a Liberty Adviser today.

  • If you’re looking to grow your business, a business loan can be an excellent tool to help you take the next step forward. If you’ve just started out, a business loan can support you to cover the initial costs and help to get your business rolling. Or, if you have an established business, a loan can support you to expand operations, upgrade your equipment or make the most of opportunities that arise. Whatever your business goals look like, Liberty’s free-thinking solutions can help you reach them.

  • The amount you can borrow with a low doc business loan will depend on your risk profile and whether your loan is secured or unsecured. Unsecured business loans often have lower borrowing amounts compared to secured loans. With a secured business loan, you may be able to borrow up to 80% of the value of your property. Your risk profile and ability to repay the loan will also impact how much you can borrow. Speak with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.

  • If you’re self-employed and don't have your most recent tax returns available, you may be eligible for a low doc business loan. At Liberty, we can accept alternative income documentation such as bank statements, BAS statements, or a completed accountant’s declaration to help verify your ability to service a new loan. For support to review your options and determine the next step for you, a Liberty Adviser can help.

  • At Liberty, we understand things don’t always go according to plan. That’s why we assess each commercial loan application on a case-by-case basis to provide tailored lending solutions – even if your credit history is less than perfect. We know life can have its ups and downs, but your business goals shouldn’t have to suffer. Be upfront about any credit issues or concerns so we can help put you on the path to business loan success. You might be surprised at the options available to you.


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Other loans you might like:


Secured business loan

Smart funding to help your business grow. A low-rate loan for growing businesses.

  • Loans up to $2M*
  • Flexible security options
  • Wide range of loan purposes
  • Up to 30-year loan terms



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Flexible business loan

Get the funds you need without mortgage security.

  • Loans up to $2M*
  • A flexible loan with no mortgage security needed
  • Ideal for growing businesses
  • Up to 5-year loan terms



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Business line of credit

Access to credit when you need it most.

  • An approved line of credit loan
  • Ideal for all kinds of business borrowers
  • Improved cash flow benefits
  • Access funds when you require them



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Things you should know:

*Loan amounts may vary based on information provided.

^Interest only available for a maximum of 3 years at an additional interest rate loading of 0.50%.

**Fee can be capitalised into the loan.

***Applicable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement.

****Additional documentation may be required upon assessment.