Low doc truck finance for ABN holders who don't want to wait on accountant-prepared financials.
Low doc truck finance is designed for self-employed operators and small businesses with an ABN registered for at least 12 months. Instead of full tax returns and financial statements, lenders rely on alternative evidence: BAS statements, bank statements, accountant declarations, and asset-backed security against the truck itself.
AYIO Financial submits low doc enquiries to specialist non-bank lenders who evaluate the deal on the underlying asset and your trading record. Approvals can come back inside 24-48 hours where the supporting documents are clean and the asset is mainstream.
Low doc terms typically run 12-60 months, with rates a margin above standard prime documented deals. The trade-off is speed and flexibility — useful when you need to settle fast on a private-sale truck or move on a short-window dealer offer.
5-minute enquiry — we'll refer your details to a licensed credit specialist for review.
We hold Australian Credit Licence 570670 and provide credit assistance. We are not a credit provider ourselves — we arrange finance from a panel of accredited Australian lenders. Any credit contract is between you and the lender.
No fee for the enquiry. Some lenders charge an establishment fee on the loan itself if it proceeds — that's disclosed up-front before you sign anything.
Initial response within 48 hours. Final approval depends on the supporting documents and lender — typically 2-5 business days.