Introduction
Food and beverage businesses thrive on quality, atmosphere, and service — but keeping up with customer expectations often requires capital investment. For operators without formal tax returns, accessing finance can feel out of reach.
That’s where low doc loans help, providing flexible funding using alternative documentation.
Who’s Eligible?
Food and beverage businesses that typically qualify include:
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✅ Cafés, restaurants, bars, food trucks, breweries, wineries, and specialty food producers with an active ABN (6–12+ months)
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✅ Businesses using the loan at least 50% for commercial or operational needs
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✅ Applicants providing alternative income proof (bank statements, BAS, accountant’s letter)
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✅ Borrowers with a deposit (usually 10–30%)
What Can You Finance?
Low doc loans help food and beverage businesses with:
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Purchasing Equipment → Commercial ovens, refrigeration units, brewing tanks, or point-of-sale systems.
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Renovating Spaces → Update kitchen layouts, redesign dining areas, or expand seating.
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Expanding Services → Add takeaway, catering, or delivery operations.
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Hiring Staff → Bring on chefs, waitstaff, baristas, or delivery drivers.
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Marketing and Promotions → Boost social media, launch loyalty programs, or run local advertising.
What Documents Should You Provide?
Even without formal tax returns, prepare:
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✅ 12 months of business bank statements
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✅ BAS lodgements or sales summaries
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✅ Quotes or purchase orders for equipment or renovations
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✅ (Optional) Accountant’s letter confirming turnover or seasonal trends
Case Example
Sunset Café needed $95,000 to renovate its outdoor seating and upgrade kitchen equipment. With 14 months of ABN activity, strong local following, and a 20% deposit, they secured a low doc loan — enhancing their space and increasing daily turnover.
Tips for Food and Beverage Loan Applicants
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✅ Maintain clear sales, supplier, and staffing records.
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✅ Highlight how investments will improve customer experience or expand services.
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✅ Work with brokers familiar with hospitality financing.
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✅ Ensure compliance with food safety, licensing, and health regulations.
Final Call to Action
Ready to boost your food or beverage business?
👉 Check your eligibility today — no credit score impact
Visit our Business Lending Hub for more insights.
DISCLAIMER
The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.
