top of page

No Doc Business Loans in Australia – Fast, Property-Secured Funding

Unlock funding without the paperwork. At Innovate Funding, we provide streamlined, hassle-free No Doc Loans from $50K–$20M ideal for self-employed professionals, business owners, and investors who need capital fast. Our loans are property-secured, non-consumer, and tailored for business or investment use, with approval times as fast as 48 hours.

​

What Is a No Doc Loan?

A No Doc Loan is a type of private finance that requires minimal documentation; no tax returns, BAS statements, or payslips. Approval is based on the value of your property and a clearly defined exit strategy, rather than your income or credit history. These loans are perfect for:

  • Self-employed borrowers with complex or irregular financials

  • Business owners needing fast access to capital

  • Investors seeking short-term opportunities

  • Borrowers declined by traditional banks

All Innovate Funding no doc loans are for non consumer purposes and structured for business or commercial purposes only.

​

Key Features of No Doc Loans

  • Fast Funding: Settlements in as little as 48–72 hours

  • No Financials Required: Skip the red tape, no tax returns, BAS, or income evidence

  • Loans from $50K to $20M: Suited to a wide range of business and property needs

  • Flexible Terms: 3 to 12 months, with early repayment options available

  • First & Second Mortgages: Secure loans against residential, commercial, or land assets

  • Australia-Wide Coverage: We lend across metro, regional, and rural locations (LVR dependant)

​​​Best Use Cases for No Doc Loans

At Innovate Funding, our no doc business loans are suited to a range of short-term scenarios, including:

​

Real Loan Scenarios

$650K Equity Release – NSW
Self-employed builder accessed capital within 72 hours to secure a distressed commercial asset. No tax returns submitted.

​

$1.2M Refinance – VIC
Business owner refinanced an expiring facility on a commercial warehouse using a second mortgage structure. No-doc terms approved.

​

$450K Bridging Loan – QLD
Investor purchased a new site using equity from an existing residential property. Funded in 4 days.

​

How the Process Works

  1. Scenario Review: We discuss your needs, property details, and exit plan

  2. Indicative Offer: Receive tailored terms with no obligation

  3. Valuation Ordered: Fast valuation to confirm loan-to-value ratio (LVR)

  4. Approval & Docs: Minimal paperwork, fast turnaround

  5. Settlement: Receive funds to your nominated account — often within 1–3 business days once loans docs are signed.

​

Who We Help

We fund a variety of borrower types, such as:

  • Property developers (first-time and experienced)

  • Licensed builders

  • Owner-builders with a construction background

  • Investors looking to unlock equity

  • Borrowers declined by banks due to serviceability or documentation hurdles

If you’ve got a viable project and the right asset, we’ll structure funding around you — not bank red tape

​

What Can I Use as Security for a No Doc Loan?

Innovate Funding secures no doc loans against real estate assets with strong equity positions. We accept a wide range of property types, including:

  • Residential property – Owner-occupied or investment homes

  • Commercial property – Offices, retail, warehouses, and industrial premises

  • Vacant land – Including future development or subdivision potential

  • Rural and specialised assets – Farms, acreage, or non-standard zoning

Your property’s current value and equity determine your borrowing power;  not your income or credit score. We focus on asset strength.

​

FAQs – No Doc Business Loans

Can I apply with poor credit?
Yes. We assess the asset, not your credit history.

​

What’s the difference between no doc and low doc?
Low doc loans may still require financial declarations or bank statements. No doc loans require neither.

​

Is a no doc loan suitable for development?
Yes. We commonly fund pre-DA and early-stage development needs using no-doc structures.

​

Do I need a business purpose?
Yes. All loans must be for business or investment use to qualify.

 

Apply for a No Doc Loan Today

If you need fast capital and don’t want to deal with traditional banking red tape, a No Doc Loan with Innovate Funding could be the solution. We specialise in property-secured, private finance that gets results — fast.

Call 02 8919 3639 or enquire online to get started today.

bottom of page