Key highlights
- Basics: photo ID, ABN details and often GST confirmation
- Full-doc uses tax returns and financial statements
- Low-doc may accept bank statements or a BAS
- Vehicle quote or invoice and deposit details needed
- Soft-check quote to find what suits your lender
Knowing what to gather before you apply can make business vehicle finance far smoother. While requirements vary by lender and loan type, most self-employed applications draw on a common set of documents.
What ID and business details do you need?
Expect to provide photo identification and your ABN details, and often confirmation of GST registration. Lenders use these to verify who you are and that the vehicle is for genuine business use.
What income evidence do lenders need?
For a full-doc application, recent tax returns and financial statements are common. For a low-doc application, eligible applicants may instead supply business bank statements, BAS or a declaration of income, depending on lender policy.
What vehicle details do you need?
You will usually need details of the vehicle, such as a quote or invoice, plus information on any deposit or trade-in. A lender may also ask about existing commitments to assess affordability. Tax-related paperwork is best confirmed with your accountant or registered tax adviser.
Which documents suit your lender?
Simon Kendrick can tell you exactly which documents suit your chosen lender across 80+ options. Request a soft-check quote for indicative figures without affecting your credit score.
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