Loveday Financial
Self-Employed & Alt Doc Finance
Your business doesn't always fit a standard lending application. Current trading, BAS statements, business bank statements and other accepted financial records may provide alternative ways to demonstrate your position. We help you explore the available lending pathways.
Where the conversation starts
Full-documentation lending
Low-doc & alternative documentation
BAS-based income verification
Business bank statement verification
Accountant letters or declarations
Specialist non-bank lenders
Private & secured business finance
Commercial bridging & short-term funding
Different records. The same careful assessment.
Recent tax returns and financial statements remain the most widely accepted way to show self-employed income. Where they are not current, some lenders may consider BAS, business bank statements or an accountant letter or declaration — each under its own criteria.
Not every lender accepts every documentation method, and alternative-documentation and non-bank loans can involve different pricing, fees, deposit and loan terms. Income verification and a full credit assessment still apply.
The same conversation covers buying a home, refinancing, investment lending and business funding for sole traders, company directors, trusts and partnerships.
Loveday Financial arranges specialist, non-bank and private funding through its lending partners. These products differ from conventional bank lending in pricing, security, fees, terms and risks, and each enquiry is reviewed individually.
Before we speak
A few details worth considering.
Your records
Which tax returns, BAS, bank statements or accountant information are currently available?
Your business
How long has it operated, how is it structured, and is it registered for GST?
The finance
What is it for, roughly how much is needed, and when?
Finance is subject to lender assessment. This information is general and does not take your individual circumstances into account.