Low doc business loans, assessed on security.
'Low doc' does not mean no diligence — it means the assessment rests on the security and the exit rather than on historic financial statements. Envision Private arranges property-secured business facilities on behalf of wholesale and sophisticated investors, which allows a credit decision when the last two years of returns are not yet lodged, when trading has changed materially, or when the numbers simply do not present the business as it stands today. All facilities are for business or investment purposes and secured by Australian real property; we are not an NCCP-regulated lender.
When it makes sense
- Financials not yet lodged, or the last set no longer reflects trading
- A recent restructure, acquisition or change of entity
- Seasonal or project-based income that bank servicing models penalise
- An urgent ATO or creditor payout ahead of a refinance
- Bridging a contract, tender or settlement deadline
- Equity release behind an existing bank mortgage for working capital
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| Documentation | No lodged financials required; ID, security and exit evidence |
| Security | 1st or 2nd mortgage, or caveat, over Australian property |
| LVR | Up to ~75% of value depending on ranking and asset |
| Term | 1 – 24 months, business and investment purpose only |
| Interest | Prepaid, capitalised or serviced monthly |
How the process works
- Outline the position — security, amount, purpose, term and exit.
- Indicative terms — written IOI with pricing and conditions in 24 hours.
- Valuation and legals — security assessed and documents prepared.
- Settlement — mortgage or caveat registered and funds advanced.