Tell us your situation. We'll generate a customised checklist of exactly what you need to apply.
ABN in your name, no company structure
Pty Ltd, trust, or partnership
ABN under 12 months
Ute, van, car, or light commercial
Rigid, prime mover, tipper, dog
Excavator, loader, skid steer
Machinery, fitout, specialist gear
Full financials provided. Usually gets the best rate.
Minimal paperwork. Bank statements + ABN. Faster but rates may differ.
We'll show you both so you can see what's needed.
Send them through with your quote request and we'll match you with the best lender.
Get a Fast Quote →The documents required for equipment and vehicle finance in Australia depend on three main factors: your business structure (sole trader, company, or trust), the application type (full doc or low doc), and the asset you're financing.
A full doc application means providing complete financial statements, tax returns, and detailed business information. This pathway typically offers the best interest rates because lenders have a full picture of your financial position. A low doc application relies primarily on your ABN, bank statements, and a self-declaration of income. It's faster and requires less paperwork, but rates may be slightly higher to account for the reduced documentation.
If you're a sole trader, most lenders will ask for your ABN details, driver's licence, 3 to 6 months of business bank statements, and details of the asset you want to finance. For a full doc application, you may also need your most recent personal tax return and a Notice of Assessment from the ATO. Some lenders accept BAS statements as an alternative to full tax returns.
Companies and trusts typically need additional documentation including the company's ACN, details of directors and guarantors, company tax returns, and financial statements. Trust structures may also need to provide the trust deed. The specific requirements depend on the lender and the finance amount.
If your ABN is under 12 months old, the document requirements shift. Lenders place more weight on your personal credit history, industry experience, deposit amount, and the asset itself. Having evidence of contracts, work pipeline, or a clear explanation of how the asset will earn income can help your application.
The single biggest thing you can do to speed up approval is have your documents ready before you apply. Incomplete applications cause the most delays. Use the checklist above to see exactly what you need for your situation, gather everything, and submit it all at once.
Not sure what you need? Use the tool above to generate a personalised checklist, or call us and we'll walk you through it.
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