Self-employed? Get your commercial loan without full tax returns

Tax returns not completed yet? No probs. If your business owns or is buying commercial property, your BAS, accountant's letter or bank statements can do the talking.

Book Your Free Strategy Call See If You Qualify

Free 15-minute call · No obligation · Speak directly with Daniel

Daniel Sotiropoulos, Director and Finance Specialist at Pandora Wealth

Daniel Sotiropoulos Director & Finance Specialist

80%Max LVR

BASAccepted

3Ways To Verify Income

AllBusiness Types

Who This Is For

Built for business owners the banks make wait

If your business owns or is buying commercial property, you don't need two years of perfect financials to move.

Buying Premises

Stop paying a landlord's mortgage. Buy the warehouse, office, shop or factory your business runs from.

Refinancing

Already own commercial property? Restructure the loan to work harder for your business, without digging out years of financials.

Releasing Equity

Unlock capital sitting in your commercial property to fund growth, stock, equipment or the next opportunity.

How It Works

Three documents. Pick one.

Instead of full tax returns, your income can be verified with any one of these.

Your BAS

Your Business Activity Statements show your real trading position, and you already lodge them anyway.

An accountant's letter

A simple declaration from your accountant confirming your income. One phone call, not one financial year.

Bank statements

Your business bank statements can tell the story on their own. Money in, money out, deal done.

Why Pandora Wealth

A broker who speaks self-employed

Banks are built for payslips. If you run a business, you know the drill: two years of financials, endless questions, and a "no" that arrives six weeks too late for the deal.

Daniel structures commercial lending around how business owners actually operate, so you can move at the speed of the opportunity, not the speed of your paperwork.

No full tax returns required. Tax returns not completed yet? No probs
BAS, accountant's letter or bank statements accepted
Borrow up to 80% of the property value
Purchase, refinance or equity release
All business types and structures considered
Imperfect credit history considered, every scenario assessed on its merits

Questions

Things business owners ask us

Do I really not need tax returns?+

Full tax returns aren't required for this type of lending. If yours aren't completed yet, no probs. Your income can be verified with your BAS, a letter from your accountant, or your business bank statements instead.

How much can I borrow?+

Up to 80% of the commercial property's value. The exact amount depends on your situation, the property, and the strength of your business, which is exactly what Daniel works through with you on the call.

My credit history isn't perfect. Is that a dealbreaker?+

Not automatically. Every scenario is assessed on its merits. Plenty of good businesses have a bump or two in their history, so bring the full story to the call and Daniel will tell you straight where you stand.

What kinds of businesses does this work for?+

All business types and structures are considered, from sole traders to companies and trusts. What matters is that the business owns or is buying commercial property.

What does the call cost?+

Nothing. It's a free 15-minute strategy call with no obligation. You'll leave knowing whether your scenario works, roughly what you could borrow, and your next step.

Book Your Call

Bring us the deal your bank keeps sitting on

Pick a time that suits you. In 15 minutes you'll know whether your scenario works and what your path to settlement looks like.

Book Your Free Strategy Call