Key highlights
- Ute finance may be available without BAS statements
- Common where a business is new or not GST registered
- Lenders may accept bank statements, deposit or property instead
- GST and BAS obligations vary; check with your accountant
- 80+ lenders compared to find no-BAS options
Business Activity Statements are often requested during a finance application, but not every business has them ready or is required to lodge them. If you do not have BAS to supply, ute finance may still be available to eligible applicants through alternative options.
Can I get ute finance without BAS?
You may not have BAS if your business is new, if you are not GST registered, or if statements are simply not on hand. Some lenders request BAS as part of their assessment, while others may consider low-doc applications that rely on different information.
What can lenders accept instead of BAS?
In place of BAS, lenders may consider your credit history, ABN details, bank statements, property ownership or a deposit, subject to their criteria. The exact requirements differ from one lender to another.
Do you need to register for GST?
Whether you need to register for GST and lodge BAS depends on your circumstances. For guidance on your obligations, check with your accountant or registered tax adviser.
How do you check your options?
Overdrive compares 80+ lenders and can identify those that may consider an application without BAS. Request a soft-check quote and Simon Kendrick can share indicative options with no impact on your credit score.
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