If your latest tax returns aren't finalised or aren't yet available, you can still pursue light truck finance. Low-doc lending is built for exactly this. Instead of returns, lenders use alternative evidence to assess your ability to repay.
How does low-doc truck finance work?
Rather than requiring completed tax returns, low-doc lenders can assess your application using bank statements, an accountant's declaration, or your trading record. This suits businesses whose returns are behind, or newer operators who don't yet have a full year filed. It's a genuine, established path for eligible applicants.
What do lenders check without tax returns?
Expect a closer look at your ABN age, GST registration, deposit, and any property you own. A clean recent banking pattern that shows steady income does a lot of the work returns would normally do. The light truck's age and type also factor in, subject to lender criteria.
How do I find a low-doc lender?
Not every lender offers low-doc, so it pays to go where they do. With 80+ lenders on the panel, Simon Kendrick can steer you to the right one. Speak to your accountant or registered tax adviser about your returns and any tax implications.
No tax returns ready? Request an obligation-free Overdrive quote and Simon will find the low-doc options. It's a soft check that won't affect your credit score.
Ready to compare cheap rates?
Free quote in minutes, decisions in 24–48 hours. No credit-score impact to enquire.