No Financials Required
Business loans with no financial statements required
Bank-statement-only lenders who assess your business on real cash flow data — no tax returns, no BAS, no accountant needed.
Apply now
2 minutes · Soft check only · Free
Best fit: $10K+ monthly revenue · 12+ months trading · Active ABN · Loans from $10K
After you submit:a broker calls within 2 hours — often from a mobile or private number, so please pick up. They’ll send a 30-second privacy form to e-sign, then ask for your last 6 months of business bank statements. Have those ready and you could have quotes today.
Overview
Why required businesses choose Avoir
Many Australian small businesses do not have up-to-date financial statements. Your accountant may be behind, you may not have lodged recent tax returns, or you simply may not have formal financials prepared. Specialist non-bank lenders in our network use automated bank statement analysis to assess your business — meaning you can apply and get a decision based entirely on your recent banking activity.
Key features
Bank statements only
No tax returns, no financial statements, no BAS required. Lenders assess 3–6 months of bank statements.
Automated analysis
Lenders use technology to read your bank statements and make fast credit decisions based on real cash flow data.
Same-day decisions
Because the process is automated, decisions are typically made the same business day.
No accountant needed
You do not need your accountant to prepare anything. Just your business bank statements.
Before you apply
How to get the best outcome
Low-doc loans typically carry higher interest rates than full-doc loans, reflecting the lender's reduced visibility. The rate premium varies — the cleaner and more consistent your revenue, the more competitive the pricing tends to be.
Keep your bank account clean
In the 3–6 months before applying, lenders see everything — overdrafts, dishonoured payments, ATO direct debits, and unexplained withdrawals.
Be clear about your loan purpose
Working capital, equipment, inventory, expansion — each has different risk characteristics. A clear reason strengthens your application.
Apply for an amount your revenue can service
Most lenders look for repayments at 10–20% of average monthly revenue.
Eligibility
Am I eligible to apply?
Here is what Avoir looks for. We work with businesses trading 12 months or more; individual lender minimums vary and are set by the lender, not by us. Meeting our criteria makes a business eligible to apply. It does not mean an application will be approved.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist calls within 2 hours — often from a mobile or private number, so please answer. You e-sign a quick privacy form, share your last 6 months of bank statements, and they walk you through tailored options.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →What bank statements do lenders need?
Typically 3–6 months of your primary business bank account. Some lenders can access these digitally with your permission via read-only bank feeds.
Do I need to have lodged my tax return?
No. Most bank-statement-only lenders do not require tax returns or BAS as part of their assessment.
What do lenders look for in bank statements?
Consistent deposits, positive balances, absence of dishonoured payments, and evidence that repayments are serviceable from your cash flow.
Are there limitations with bank-statement-only loans?
Maximum amounts are typically capped at $500K for bank-statement-only assessment. Larger amounts may require additional documentation.
Ready to apply?
Apply without the paperwork
Two-minute application. No financials required upfront. Decision based on your bank statements.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION