Low-Doc Equipment

Low-Doc Equipment
Finance For
Sole Traders

Buy equipment on ABN + GST + bank statements. No full financials needed.

Equipment finance shouldn’t require accountant-prepared financials. Our low-doc lenders assess sole traders on ABN, GST registration, and recent bank statements — fast, simple, straightforward.

Same-day approvals — most funded within 24 hours
No impact on your credit score to check
Low-doc & full-doc options — sole traders welcome
96% first-time approval rate · Rated 5★ on Google
5.0
★★★★★
109+ verified Google reviews
Best broker I have ever dealt with. Solid effort, painless as possible.
Tony Gangitano
Trusted by 5,500+ Australian businesses
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What do you need finance for?
Select the category that best fits your needs
Car Finance
Utes · Vans · Small trucks
Truck Finance
Prime movers · Trailers · GVM 4.5T+
Equipment & Machinery
Excavators · Forklifts · Industrial
Agricultural
Tractors · Harvesters · Farming
Business Growth
Working capital · Fitout · Stock
Other Business
Tell us what you need
$35K–$49K
$50K–$75K
$100K
$150K
$200K–$250K
$250K+
No credit check — won't affect your credit score
Tell us about your business
Search your ABN to verify instantly via the ABR
or I don't know my ABN
Under 3 mthsNew business
3–12 monthsEmerging
1–3 yearsEstablished
3+ yearsExperienced
Verified via the Australian Business Register
A bit more about you
Helps us match you with the right lender
HomeownerOwned or mortgaged
RentingPrivate rental
BoardingWith family/friends
Employer SuppliedCompany housing
Excellent800+
Good700–799
Average625–699
Below Avg550–624
UnsureDon't know
ImpairedPast issues
Your information is kept strictly confidential
Your contact details
A specialist will review your application and be in touch
No credit check. You agree to be contacted by a Rivercity Finance specialist.

You're eligible — great news!

Your application has been received. A dedicated broker will call you within 2 business hours.

RC
Rivercity Finance Team
Business Finance Specialists
Reference: pending

You'll receive a call within 2 business hours.

$250M+Finance Secured
5,500+Loans Approved
40+Lenders
96%First-time Approval
5★Google Rating
24hrTypical Approval

🔥 Fast approvals happening now — 3 businesses funded in the last hour

Check My Eligibility
Client Testimonials
Trusted By Australians Nationwide
"
★★★★★
If I could give James 10 stars I would. Best broker I have ever dealt with. Solid effort, painless as possible — right onto things, doesn't stuff you around and always returns your calls.
T
Tony Gangitano
January 2024
"
★★★★★
James was amazing to deal with! He was efficient, knowledgeable and made the entire finance process stress-free. We were approved within a day — way faster than expected with a great outcome.
W
William Barnsdale
September 2025
"
★★★★★
Andy is amazing at what he does. He helped me get the loan required so easily and quickly. I would 100% recommend going with him if you want a simple, easy and stress-free process.
A
Aidan Wall
August 2025
"
★★★★★
Had begun finance elsewhere until Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands. Fast response, excellent communication throughout.
J
James Wilson
February 2024
"
★★★★★
Andy is an absolute legend — helped me get my dream car with no stress or problems. Super easy to chat to. 10/10 in my book. Absolutely recommending him to friends and family.
J
Jaydan Geary
March 2025
"
★★★★★
Matty was professional, knowledgeable, and incredibly easy to deal with. He kept me updated every step of the way. I genuinely felt like he had my best interests at heart. Highly recommend.
A
Alex Wilson
July 2025
"
★★★★★
Andy went above and beyond sorting every last detail. Even when dealing with a poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of finance.
M
Matt Hacking
August 2025
"
★★★★★
After a 3 minute chat Andy had got me a better rate than I could find after a lengthy search. Sensed my excitement and kept me in the loop through every stage. Top job mate!
C
Chris Spencer
January 2024
"
★★★★★
I had the pleasure of working with James for financing business equipment. Knowledgeable, professional, truly understood my needs. His responsiveness made the entire process seamless and stress-free.
K
Keanu Bromley
October 2025
"
★★★★★
If I could give James 10 stars I would. Best broker I have ever dealt with. Solid effort, painless as possible — right onto things, doesn't stuff you around and always returns your calls.
T
Tony Gangitano
January 2024
"
★★★★★
James was amazing to deal with! He was efficient, knowledgeable and made the entire finance process stress-free. We were approved within a day — way faster than expected with a great outcome.
W
William Barnsdale
September 2025
"
★★★★★
Andy is amazing at what he does. He helped me get the loan required so easily and quickly. I would 100% recommend going with him if you want a simple, easy and stress-free process.
A
Aidan Wall
August 2025
"
★★★★★
Had begun finance elsewhere until Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands. Fast response, excellent communication throughout.
J
James Wilson
February 2024
"
★★★★★
Andy is an absolute legend — helped me get my dream car with no stress or problems. Super easy to chat to. 10/10 in my book. Absolutely recommending him to friends and family.
J
Jaydan Geary
March 2025
"
★★★★★
Matty was professional, knowledgeable, and incredibly easy to deal with. He kept me updated every step of the way. I genuinely felt like he had my best interests at heart. Highly recommend.
A
Alex Wilson
July 2025
"
★★★★★
Andy went above and beyond sorting every last detail. Even when dealing with a poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of finance.
M
Matt Hacking
August 2025
"
★★★★★
After a 3 minute chat Andy had got me a better rate than I could find after a lengthy search. Sensed my excitement and kept me in the loop through every stage. Top job mate!
C
Chris Spencer
January 2024
"
★★★★★
I had the pleasure of working with James for financing business equipment. Knowledgeable, professional, truly understood my needs. His responsiveness made the entire process seamless and stress-free.
K
Keanu Bromley
October 2025
Join 5,500+ funded businesses

60-second check · no credit impact · no obligation

Trusted panel of 40+ lenders — including
ANZ Westpac Liberty Pepper Money Latitude Plenti Prospa Metro Finance Flexicommercial Firstmac Now Finance SocietyOne Moula Wisr MoneyMe Scottish Pacific Judo Banjo Angle Finance Resimac Dynamoney OnDeck Bizcap Lumi Shift Azora MoneyPlace Moneytech Capital Finance Alex Bank Finance One Selfco Automotive Financial Services Maple
Why Choose Us
Why Choose Rivercity
For Business Loans?
Over 40 Trusted Commercial Lenders
96% First-Time Approval Rate
Fast Decisions — Same-Day Possible
Full-Doc and Low-Doc Options
Loans From $35K to $250K+
Transparent Fees, Real Relationships
Check My Eligibility

Speak to a specialist within 2 business hours

Our Process
Finance Without The Headaches

1. Apply

Complete our fast 2-minute application. No credit check.

2. Speak With a Specialist

A dedicated broker calls within 2 hours to understand your needs.

3. Compare 40+ Lenders

We match your scenario to the right lender at the best rate.

4. Approval

Get approved fast — often same-day — with clear terms up front.

5. Settlement

Funds released so you can get straight to work. Business as usual.

Start Your Application

Applications take under 2 minutes · no credit check

Estimate Repayments

Work Out Your
Monthly Repayments

See what your commercial finance could cost per month. Slide the sliders below to match your scenario — an actual rate is locked in after your eligibility check with a broker.

$35K – $250K+
Loan amount range
1 – 7 years
Flexible terms
Same-day
Approvals possible
96%
First-time approval rate

*This is an estimate only. Actual rate depends on lender assessment, credit profile, business trading history, and security. Comparison rate available on request. Fees and charges apply.

Commercial Finance Calculator

Loan amount $100,000
$25K$500K+
Term 60 months
1 yr7 yrs
Interest rate (p.a.) 9.9%
6.5%18%
Balloon at end 0%
Estimated repayment
$2,124/mo*
$490
Weekly
$27,439
Total interest
$0
Balloon
Get Your Real Rate
Eligibility

Who Can Apply
For Commercial Finance?

Rivercity Finance was built for Australian business owners. If you have an active ABN and need $35K–$250K+ for growth, chances are we can get you funded fast.

Not sure if you qualify? 60-second check · no credit impact
Check Now
Active ABN holder

Sole trader, company, partnership, or trust registered in Australia.

ABN active 3+ months

Most lenders require 3 months history. Newer ABNs may still qualify.

$35K to $250K+

Finance from $35,000 up to $250,000 and beyond for qualifying businesses.

Low-doc friendly

ABN, GST registration & 3 months bank statements may be all you need.

Minor credit issues OK

We match you to the right lender for your profile — not just the banks.

All industries

Construction, transport, agriculture, trades, mining, and more.

Frequently
Asked
Questions

Here are the questions we commonly get asked. Whatever your scenario, complete our quick eligibility check and we'll find the best finance solution for you.

How Much Can I Borrow?
Anywhere from $35,000 to $250,000+ depending on your business profile, ABN history, and the lender we match you with.
Do You Help New Businesses?
Yes. While most lenders prefer 3+ months ABN history, we have lenders who work with newer businesses. Complete the form and we'll assess your options.
What If I Don't Have Full Financials?
No problem. With ABN, GST registration and 3 months' bank statements we can get many clients moving on a low-doc basis. Perfect for sole traders and contractors.
How Fast Can I Get Funded?
Many clients receive same-day or next-day approval. Once approved, funds are typically released within 24 hours.
Will This Affect My Credit Score?
No. Our initial eligibility check has zero impact on your credit score. A hard enquiry only happens when you formally apply with a lender.
Are Repayments Flexible?
Yes. Loan terms from 1–7 years, with balloon payment options and no early termination fees on select facilities.

Ready To Check Your Eligibility?

No credit check. No obligation. A specialist calls within 2 hours.

Check My Eligibility
Check My Eligibility