Key highlights
- Expect licence, ABN and GST details to start
- Full-doc needs financials, tax returns, BAS and statements
- Low-doc options may require far less paperwork
- Have van invoice, make, model, year and VIN ready
- Simon can tell you exactly what your lender needs
Gathering the right paperwork is often the difference between a slow approval and a quick one. For business van finance, the documents you need vary by lender and by whether you go full-doc or low-doc. Here is what eligible applicants are commonly asked to provide.
What identity and business documents do you need?
At a minimum, expect to supply your driver's licence, your ABN and, where relevant, your GST registration details. Lenders use these to confirm who you are and that your business is genuinely trading. Companies and trusts may also be asked for their ACN or trust deed. Having these ready up front helps avoid back-and-forth.
What income documents do lenders request?
For a full-doc application, lenders often request recent business financials, tax returns and BAS, plus bank statements. Low-doc options may accept fewer documents for eligible applicants, sometimes relying on bank statements or a signed declaration instead, subject to lender criteria. The right path depends on your circumstances and the lender's policy.
What van and purchase details do you need?
You will also need details of the van itself: a dealer or private-sale invoice, the make, model, year and VIN, and the purchase price. If you are trading in another vehicle, its details help too. Clear, accurate documents let the lender value the asset and settle promptly.
Not sure which documents apply to you? Simon at Overdrive can tell you exactly what a suitable lender will need and arrange an obligation-free quote. It is a soft check that won't affect your credit score.
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