Commercial Finance
Can You Get a Low Doc Commercial Property Loan?
5 min read- Finance Guide
- Updated 2026
Quick answer
Typical low doc range
60% 75%
Of the property's value
- Typical deposit required 25% - 40%
- Self employed borrowers Common use case
- Alternative documents BAS / bank statements
- Stronger applications Better rates and terms
1300 421 044
1300 421 044
Low doc commercial property loans are usually assessed using two main factors
The loan to value ratio and property type
The LVR determines how much a lender will advance against the value of the commercial property. Standard commercial assets are usually easier to finance than specialised properties.
PROPERTY-BASED LIMIT
The borrower's alternative proof of income
Because full financials are not being used, the lender will look closely at alternative indicators such as BAS, bank statements, accountant support and the overall strength of the business.
LOW DOC ASSESSMENTTypical low doc lending range by property type
Low doc commercial property loans generally come with more conservative LVR limits than full doc loans
-
Standard owner occupied commercial property such as office, warehouse or industrial Up to 75%
-
Commercial investment property with solid lease profile 65% - 70%
-
Specialised commercial property such as medical, hospitality or service station 60% - 65%
For example, if a commercial property is worth $1,000,000 and the lender allows a 70% low doc LVR, the maximum loan may be around $700,000 with the borrower contributing the balance as deposit or equity.
Need Help with your Project?
Alternative Income Verification
Instead of full financial statements, lenders often review documents such as:
BAS statements
- Business bank
statements
- Accountant
declarations
- GST registration and
ABN details
- Evidence of business
trading history
The stronger and cleaner these documents are, the better the lender can assess the application.
Who Low Doc Commercial Loans May Suit
Low doc commercial property finance may suit borrowers who have real business income but cannot present a standard full doc file. Common examples include:
Self employed
borrowers with recent tax timing issues- Businesses
with complex structures or retained earnings
- Borrowers
wanting to buy or refinance commercial property using alternative
verification
Not every lender offers low doc commercial finance, so policy selection matters.
What Affects the Loan Size?
Low doc commercial loan amounts can vary significantly.
Typical assessment factors include:
Property Strength
Security matters
Standard commercial assets generally attract stronger lender appetite
Income Evidence
Alternative proof
Cleaner BAS and bank statement evidence can improve the outcome
Borrower Position
Deposit + profile
Deposit size, credit profile and business history all influence terms
Each lender has different low doc commercial property policy settings and risk tolerances.
Common problems borrowers face
Low doc commercial borrowers often run into issues because lenders want stronger equity, cleaner income evidence and lower risk security.
Insufficient Deposit
Low doc lenders often require more equity than standard full doc commercial loans.
Possible solutions include:
-
Use equity from
other property
-
Add additional
security
-
Reduce the loan
request to fit policy
Weak Alternative Documents
If the BAS or bank statements do not clearly support business income, the application may be weakened.
Clear, consistent evidence usually improves lender confidence.
Accountant support can also strengthen the file.
Property Type Risk
Specialised or unusual commercial properties can reduce the maximum low doc LVR available.
Standard office, industrial and retail assets are generally easier to finance.
Applying with the Wrong Lender
Not every lender offers low doc commercial property loans, and policy differences are significant.
Using lenders familiar with low doc commercial files can improve approval prospects.
Steps to get a Low Doc Commercial Property Loan
Step
01
Identify the commercial property you want to buy or refinance.
Step
02
Work out your available deposit, equity or additional security position.
Step
03
Prepare BAS statements, bank statements, accountant declaration or other low doc evidence.
Step
04
Confirm the property type, security strength and intended business or investment use.
Step
05
Submit the application to lenders that offer low doc commercial property finance.
Step
06
Once approved, the loan settles and the property purchase or refinance can proceed.
Speak with a Commercial Property Finance Specialist
Low doc commercial property loans can vary significantly depending on the borrower profile, property type, deposit position and lender policy.
A specialist can review your scenario and help identify lenders that may consider low doc commercial finance.
Speak with a finance specialist about your low doc commercial property loan options.
Submit the short form below and a finance specialist can review your situation and discuss possible funding pathways.
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Additional Questions
You may also find these questions helpful
-
01What deposit do you need for a low doc commercial property loan?
-
02Can self employed borrowers get commercial property finance?
-
03What documents are accepted for low doc commercial loans?
-
04Can you refinance a commercial property on a low doc basis?
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05What interest rates apply to low doc commercial property loans?
