Finance question
What documents do I need for equipment finance?
For a low-doc deal, often very little: your ABN, photo ID and the invoice for the asset. That is frequently all it takes. Larger or more complex deals can call for financials, but many equipment finance applications settle without tax returns or BAS.
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The short answer
Less paperwork than you expect
People brace for a mountain of documents and are surprised how light equipment finance can be. On a low-doc deal the core is simple: an active ABN, your photo identification and the invoice or quote for the asset. Because the equipment secures the loan, lenders often do not need to see your tax returns or activity statements.
The reason it stays light is the security. The asset carries much of the lender's risk, so the file leans on the ABN, the identity check and the invoice rather than a deep dive into your accounts. That is what makes low-doc and no-doc paths possible, and it is why approvals can move quickly.
Bigger or more complex deals can ask for more. A larger facility, a weaker credit profile or an unusual asset might prompt a lender to request financials, recent bank statements or a deposit to get comfortable. We tell you upfront exactly what your specific lender needs, and we gather it once, so nothing stalls the application halfway through or sends you back to your accountant at the last minute.
Do you qualify?
The usual low-doc checklist.
An active ABN
Registered and current, sole trader or company.
Photo ID
A driver licence or passport to verify identity.
The asset invoice
The quote or tax invoice for what you are buying.
Sometimes more
Larger deals may ask for financials or bank statements.
Why the list stays short
The asset secures it
Security in the equipment means less reliance on paperwork.
Low-doc by design
Many lenders are built to write deals on the basics.
We tell you upfront
You know exactly what your lender needs before you start.
A real example
A plumber wants a $38,000 van and expects to dig out years of accounts. On a low-doc deal, the lender needs the ABN, a licence and the dealer invoice. No tax returns, no BAS. The file is clean, so it moves quickly to approval. Illustrative only.
Common questions
Frequently asked questions
Do I need tax returns or BAS?
Often not. Many equipment finance deals are written low-doc or no-doc, so financials are not required. Larger deals may ask for them.
What is the bare minimum for a low-doc deal?
Typically an active ABN, photo ID and the invoice for the asset. That is frequently all a lender needs.
When would a lender ask for more?
On larger facilities, weaker credit or unusual assets. We tell you upfront if your specific lender needs financials or a deposit.
Does a company need extra documents?
Sometimes a lender confirms company and director details, but the core low-doc list stays much the same.