Self-Employed Loans Australia
Being your own boss shouldn't make borrowing harder. Flexible personal loans for the self-employed, sole traders and contractors.
What is a self-employed loans?
Self-employed Australians often find lenders less flexible when income comes from a business rather than a payslip. Self-employed loans recognise that reality, with lenders who accept alternative income evidence such as bank statements, BAS or accountant declarations rather than insisting on traditional payslips.
Business Loans Broker compares more than 50 Australian lenders, including those experienced with sole traders, contractors and company directors, to find a personal loan that fits how you actually earn.
Our free brokerage service helps you present your income in its best light and secure a competitive, flexible loan.
Who it's for
- Sole traders and freelancers
- Contractors and gig workers
- Company directors paid through their business
- Self-employed people knocked back for lacking payslips
- Anyone with non-traditional income needing a personal loan
Eligibility — what you'll typically need
- A registered ABN (and GST registration for larger amounts)
- Generally 6+ months trading (startup options available)
- Recent business bank statements or BAS
- Australian resident or citizen
Why choose this finance with us
For the Self-Employed
Lenders comfortable with business income, not just payslips.
Flexible Income Proof
Use bank statements, BAS or accountant declarations to verify income.
Any Purpose
Fund a vehicle, renovation, personal need or debt consolidation.
Secured or Unsecured
Options to suit your assets and the rate you're after.
50+ Lenders
We compare lenders who understand self-employed income.
Free Service
No cost to you — the lender pays our commission.
From enquiry to funded in 4 steps
Tell Us Your Situation
Share how you earn, the amount you need and its purpose.
We Compare
Our brokers match you with self-employed-friendly lenders.
Present Your Income
We help you show your earnings clearly to strengthen the application.
Get Funded
Accept an offer and access funds, often within 48 hours.
One application. 50+ lenders. Better outcome.
With Business Loans Broker
- Compare 50+ lenders with one application
- A specialist negotiates on your behalf
- Unsecured & low-doc options the banks won't offer
- Soft check — no credit-score impact to compare
- Free service, funded in as little as 24 hours
Going direct to one bank
- One product, one set of rules
- You do all the legwork and chasing
- Often weeks of back-and-forth
- A decline can dent your credit file
- Limited flexibility on structure
What our clients say
"We needed a second excavator before the wet season hit and the bank wanted weeks of paperwork. The team here had $145k in equipment finance approved in three days so we didn't miss the contract."
"As a sole trader sparky I never thought I'd get finance on a new ute without endless hassle. Got the vehicle finance sorted with a rate better than the dealership offered."
"Our cafe had a brilliant winter but cash flow was always tight waiting on the quieter months. The working capital facility they arranged smoothed everything out and we finally opened the second location."
"Honestly thought my credit history would shut every door. They listened, found a lender who looked at where my business is now rather than three years ago, and got me $60k."
"Invoice finance changed how we operate. Instead of chasing 60-day terms from the big retailers, we draw down against the invoices and pay our growers on time, every time."
"I had four separate business debts at different rates and it was doing my head in. They consolidated the lot into one manageable repayment and I'm saving close to $900 a month."
"Opening a dental practice meant funding fit-out, chairs and imaging gear all at once. They structured the lending around my situation as a medical professional and the whole thing was painless."
"We took on a franchise and the upfront fees were daunting. The broker walked us through the lender requirements step by step and we settled on time without any last-minute drama."
"Quick, no fuss merchant cash advance against our card takings. Money was in the account inside 48 hours and we used it to stock up before the Christmas rush."
Self-Employed Loans — your questions answered
Yes. Many lenders accept self-employed applicants using alternative income evidence such as bank statements, BAS or an accountant's declaration.
It varies, but commonly recent business bank statements, tax returns, BAS or a letter from your accountant. We'll match you to a lender whose requirements you can meet.
Some lenders prefer a track record of a year or more, while others are more flexible. We find the lender that suits your trading history.
Yes, low-doc options exist for self-employed borrowers, using simplified income evidence in place of full traditional documentation.
Yes. We are paid by the lender, so comparing options costs you nothing.
Related finance options
Personal Loans Fast Approval
Need funds fast? Compare personal loans with quick approval and competitive rates from 50+ Australian lenders.
Learn more
Consolidation Loans
Turn several repayments into one. Simplify your finances and take control with a debt consolidation loan.
Learn more
Unsecured Business Loans
Access funding without putting up property or assets as security. Compare 50+ Australian lenders and get a decision in as little as 24 hours.
Learn more