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Low Doc Finance

A Low Doc product is offered by most lenders, however, each lender has their own particular brand name. It can be either a commercial loan, asset purchase or lease documentation.

Low Doc

Low Doc offers pre-approval, without financial accounts, up to a maximum of $500k, subject to the following common conditions:

  • Client has been in the same business for at least two years.
  • Client owns real estate.
  • Satisfactory credit bureau check.
  • Equipment being financed is generally no older than 3-4 years.
  • Equipment being purchased will replace an existing finance commitment and the new finance commitment is no more than 25% of the existing monthly payment.

Important to Note

Importantly all types of transport equipment qualify under a low doc loan. In most cases low doc loans are approved the same day and settled quickly.

If you would like to find out if you qualify for a low doc loan, apply using our quick, 10 minute online application form or give us a call direct.


Call 1300 824 859

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We secure high approval rates for our clients!

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We get our customers loans settled fast.

Apply online and get approved fast

The online application process is quick and easy, and should only take about 10 minutes to complete.

This depends on how much you are looking to borrow and your particular circumstances. Our normal approval timing is two clear working days.

Documentatino and settlement can occur within a few hours of recieving an approval (subject to swift reciept of supplier invoices)

No! Dealing with the lender is our job.

We are accredited with all major lenders, in addition to, a number of smaller lenders

Once you have provided the information required we will asses which lender would prove the best ‘fit’ for your circumstances and requirements.

When we have matched you with a lender we then handle the full application process on your behalf using the information you have provided.

We need to understand your business. For this reason, we contact all of our clients personally. Once we have an understanding of your business and the type of finance you would like to secure, we can then discuss the requirements for your specific situation.

For most applications we require:

  • Drivers Licence number and medicare card details.
  • Corporate business structure (Sole trader, Company or Trust)
  • A summary of years established, work on hand, major contracts held and current financial commitments.
  • Financial accounts and information. We are able to contact your accountant direct to arrange all the details we require on your behalf. All you need to do is authorise your accountant to forward the information direct to the team at RSEF.

Once you have been approved we take care of the invoice from your supplier and prepare the finance documents.

Finance documents requiring your signature can be e-mailed direct, or alternatively we can come to your place of business or visit our office in Adelaide.


Once the finance documents have been signed and returned to our office we  complete the settlement process with the chosen lender. Finally, we notify your supplier they have been paid and you can collect your equipment.

The RSEF application process is designed to minimise the amount of time you need to dedicate to the loan process. We handle all of the work following up accountants, lenders and suppliers so you don’t have to.

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