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ABN Holder Loans

Flexible Loans for Self-Employed & ABN Holders

Self-employed or hold an ABN? Access flexible loan options with low-doc and alternative documentation from lenders who understand non-traditional income.

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Loans Designed for Self-Employed Australians

Discover the features and benefits of using Loan Phone.

Low-Doc Options

Don't have traditional payslips or tax returns? Use BAS statements, bank statements, or accountant's letters to verify your income.

Self-Employed Friendly

Lenders who understand that self-employed income can fluctuate and don't fit traditional lending criteria.

Fast Approvals

Streamlined application process designed for busy business owners. Many applications approved within 24-48 hours.

Competitive Rates

Access competitive rates from specialist lenders who focus on self-employed and ABN holder lending.

Flexible Loan Purposes

Use funds for business equipment, working capital, vehicle purchases, property investment, or personal needs.

Expert Guidance

Brokers who specialize in self-employed lending and know which lenders are most likely to approve your application.

How ABN Holder Loan Comparison Works

1. Tell Us About Your Situation

Share details about your business, how long you’ve held your ABN, your typical income, and what you need the loan for.

2. Get Matched With Specialist Brokers

We connect you with brokers who specialize in self-employed and ABN holder lending. They know which lenders work with non-traditional income.

3. Prepare Alternative Documentation

Your broker will guide you on the best documents to provide - BAS statements, bank statements, accountant’s letters, or business financials.

4. Secure Approval

Your broker will present your application to lenders most likely to approve, negotiating the best possible terms for your situation.

Types of ABN Holder Loans

Personal Loans

Unsecured personal loans for self-employed individuals. Use for any personal purpose with minimal documentation required.

Car & Equipment Loans

Finance vehicles or equipment for your business using your ABN. Low-doc options available with competitive rates.

Home Loans

Mortgages designed for self-employed borrowers. Prove your income through BAS statements, accountant’s declarations, or bank statements.

Business Loans

Working capital, equipment finance, or business expansion loans for sole traders and small business owners.

Investment Property Loans

Build your property portfolio as a self-employed investor. Specialist lenders understand contractor and business owner income.

What You Need as an ABN Holder

Active ABN

Your ABN should be active and preferably held for at least 12 months (some lenders require 2 years).

Income Verification

Options include:

  • 2 years of tax returns
  • BAS statements (last 6-12 months)
  • Bank statements showing regular income
  • Accountant’s letter or declaration
  • Business financials or profit & loss statements

Credit History

While not perfect credit is required, a reasonable credit history helps. Some lenders specialize in adverse credit for ABN holders.

Deposit or Equity

Having a deposit (for asset purchases) or equity (for refinancing) strengthens your application and can secure better rates.

Common Challenges for ABN Holders

Income Verification

Challenge: Fluctuating income makes traditional lending difficult. Solution: Use average income over 12-24 months or accountant’s income declaration.

Tax Minimization

Challenge: Claiming legitimate business deductions reduces taxable income, affecting loan serviceability. Solution: Lenders who assess on bank statements or BAS showing actual cash flow.

Limited Trading History

Challenge: New businesses have limited financial history. Solution: Provide evidence of contracts, forward bookings, or use savings as evidence of capacity.

Multiple Income Sources

Challenge: Income from various sources, clients, or contracts. Solution: Provide comprehensive bank statements showing total income deposits.

ABN Holder Loan FAQs

How long do I need to have my ABN? Most lenders prefer 12-24 months of ABN history, though some specialist lenders may consider less with strong income evidence.

Can I get approved without tax returns? Yes, many lenders accept alternative documentation like BAS statements, bank statements, or accountant’s declarations.

Will my business structure affect my application? Sole traders typically apply in their personal name. Companies, trusts, and partnerships may need different loan structures.

What interest rates can I expect? Rates for ABN holders are typically 0.5-2% higher than standard employed borrower rates, depending on documentation and risk.

Do I need an accountant’s letter? While not always required, an accountant’s letter declaring your income can strengthen your application significantly.

Can I get a home loan as a contractor? Yes, many lenders work with contractors who have ABNs. Regular contract work is often viewed favorably.

What deposit do I need? This varies by loan type. Home loans typically need 10-20%, vehicle loans 10-30%, and personal loans may be unsecured.

Why Work With Us for ABN Holder Loans?

Specialist Lender Panel

We work with banks and non-bank lenders who specialize in self-employed lending and understand non-traditional income.

Experience With Self-Employed

Our brokers understand the challenges of proving income when you’re self-employed and know how to present your application effectively.

Higher Approval Rates

By matching you with the right lenders and preparing documentation correctly, we achieve higher approval rates for ABN holders.

Save Time

We handle the lender research, comparison, and application process so you can focus on running your business.

Ready to Get Approved as an ABN Holder?

Start your comparison today and discover flexible loan options designed for self-employed Australians and ABN holders. Our specialist brokers are ready to help you secure the funding you need.