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

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

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

Free thinkers like us see the possible!

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.

Proudly B Corp certified to make a difference beyond borrowing.

Championing women in sport to make a difference on and off the field.

Liberty business loans FAQs


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Experts in free-thinking finance

Learn more about free-thinking loans

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



Find out more

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.