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Simplify your finance needs and streamline the end-to-end process, with your best interest at the forefront of everything we do.

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Business Owner

Business Owner

Lending for Business Owners

Lending for self-employed business owners shouldn't be difficult. We offer specialized low-doc, alt-doc, and full-doc lending options that understand business cash flow.

Flexible Finance for Self-Employed Business Owners

If you run your own business, standard bank requirements can sometimes feel like a roadblock. Banks often request two years of full tax returns and financial statements, which may not represent your current cash flow or profitability.

At MCT Financial Solutions, we believe business owners deserve flexible finance solutions. We partner with specialized bank and non-bank lenders to offer alternative documentation (Alt-Doc) loans.

What is an Alt-Doc / Low-Doc Loan?

Alt-doc loans allow self-employed individuals to verify their income using alternative methods, such as:

  • Business Activity Statements (BAS): Typically covering the last 6 to 12 months.
  • Accountant's Letter: A declaration from a qualified accountant verifying your business income.
  • Business Bank Statements: Showing consistent turnover and cash flow.

Our team understands complex business structures, including proprietary limited companies, unit trusts, and family trusts, ensuring your application is structured correctly for approval.

Key Challenges

  • •Inability to provide two years of standard personal tax returns
  • •Fluctuating cash flows reflecting seasonal business activity
  • •Complex multi-entity company/trust tax structures
  • •Difficulty showing stable wages as a business operator

How MCT Helps

  • Low-Doc and Alt-Doc solutions needing only 6 months of BAS statements or accountant letters
  • One-year tax return loan options from specialized lenders
  • Custom cash-flow assessments that add back non-cash business expenses (like depreciation)
  • Access to alternative non-bank lenders specializing in self-employed clients
Have a unique situation?

Our brokers specialize in complex income, business lending, and non-resident applications.

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Client Profiles
First Home BuyerProperty InvestorProperty DeveloperNon Resident

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