🚐 Low Doc Loans for NDIS Transport Providers
NDIS transport providers play a vital role in helping participants attend appointments, school, work and community events — but when your business needs a new car or van, it’s tough if your tax return isn’t lodged.
Low doc loans give sole traders and small operators access to vehicle finance based on bank statements and ABN — not paperwork you might not have ready yet.
💡 What Is a Low Doc Loan for NDIS Transport Contractors?
Low doc loans are designed for ABN holders who are actively working but haven’t yet submitted formal financials like:
- ❌ Tax returns
- ❌ BAS statements
- ❌ Profit & loss reports
Instead, lenders will usually approve based on:
- ✅ ABN (6+ months preferred)
- ✅ 3–6 months of business bank statements
- ✅ A vehicle quote or invoice
- ✅ Proof the vehicle is for business use
Perfect for:
- 🚐 Sole traders doing NDIS pickups and drop-offs
- 🧾 Providers getting referrals through agencies or plan managers
- 🚖 Drivers expanding their transport fleet
- 🛻 Part-timers upgrading to professional vehicles
🚗 What Can You Finance?
🛻 Transport Vehicles
- SUVs, wagons, vans, and wheelchair-accessible vehicles
👉 Low Doc Car, Ute & Van Loans
🚚 Trailers
- Enclosed or ramp-access trailers for mobility gear
👉 Trailer Finance for NDIS Operators
🧰 Equipment
- Vehicle modifications, disability seating, hoists and ramps
👉 Low Doc Equipment Loans
🧾 Real-World Example
“Terry” runs an NDIS transport service in regional NSW.
He needed a second wheelchair-accessible van but hadn’t completed his BAS or tax return. With 6 months of bank statements, a quote from a vehicle modifier, and his ABN, a broker helped him get $52,000 in low doc finance — no tax paperwork required.
🧠 Why Low Doc Works for NDIS Transport Providers
- ✅ You earn regular income but may not have formal books
- ✅ Work is consistent but often invoiced weekly or fortnightly
- ✅ Brokers understand NDIS cash flow and can match you to the right lender
📋 What You’ll Need to Apply
- ✔️ ABN (6+ months preferred)
- ✔️ 3–6 months of business bank statements
- ✔️ Driver’s licence
- ✔️ Vehicle or equipment quote
- ❌ No BAS or tax return required
🔗 Related Finance Options for NDIS Operators
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.
