Your Local Brokers Baseline Finance
Your Local Brokers Baseline Finance
A No Doc Loan is a niche product for borrowers who are asset-rich but either unwilling or unable to provide any form of income documentation. These are the most flexible — but also the most expensive and limited commercial finance options.
Lenders rely heavily on security, equity, and borrower credit profile, as there is no income verification provided.
Documentation Required
None – no income verification required
Maximum LVR
Usually 50–60%
Loan Sizes
Typically capped (e.g. under $2.5M), though it varies by lender
Term
Short-term (6–36 months) – often used as bridging or interim
Interest Rates
High, due to increased risk
Security Accepted
Strong real estate security – residential or commercial
Assessment Criteria
Based on property value, borrower credit file, and exit strategy
✅ No income proof required
❌ Very high interest rates
✅ Can be fast — some approvals in 48–72 hours
❌ Low LVRs
✅ Useful for short-term finance needs
❌Short loan terms
✅ Accessible even where financials are not yet ready
❌ Limited lender pool
text
❌Often requires clear exit plan (e.g. refinance, sale)
Type
Documentation Required
Risk to Lender
Typical LVR
Interest Rate
Full Doc
Full financials & income
Low
Medium
Up to 65%
High
At Baseline Finance, we specialise in finding flexible solutions for commercial borrowers — whether you’re fully documented or not.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
Copyright 2026. Baseline Finance. All Rights reserved.
