Self-Employed Loans

We believe in providing opportunities in the form of simpler, easier self-employed loans.
No impact on your credit score

Helping entrepreneurs is our passion

For many Australians, becoming self-employed is not just a way to make a living but a great way to have a healthy work-life balance, especially if you have a family. We encourage self-employed people to get advice and information on running their small enterprise.

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What Are Self-Employed Loans?

A self-employed loan is essentially finance and loans for individuals who are sole traders, freelancers or have their own small business. A loan for self-employed business owners can provide entrepreneurs with the opportunities for personal and business loans that the banks may not be able to help with.

For most Australian business owners, self-employed loans are a fantastic option. This form of finance is tailored to your situation and doesn’t discriminate based on lack of documentation or credit score.

6 Examples of Self-Employed Loans

6 Examples of Self-Employed Loans

Being your own boss is challenging. Our goals is to streamline self-employed Loans

Buy the home you love with an ALC Home loan

Self-Employed Home loan

Australia has really changed in the way we work, not just due to the recent pandemic, but also with the use of remote self-employment digital technology.

Increasingly, people are working for themselves, as freelancers, as independent tradies, and self-employment is much more common.

Currently 17% of Australians are self-employed, with another 1 million working as contractors. And this is where finding a self-employed mortgage gets tough.

The bank requirement of the  proof of ‘standard income’ is becoming more difficult to document. Many Aussies applying for a self-employed home loan are rejected, due to an inability to to produce the right kind of “proof”.

Obtaining a self-employed home loan is one of the Australian Lending Centre’s passions, giving Aussies a fair go with finance.

Self-Employed Personal Loan

Applying for a self-employed personal loan can be a painful and disheartening process. The banks want to much documentation, profit and loss statements, tax returns and more.

For freelancers and private contractors this can seem out of reach and it is easy to think that there are no solutions.

At Australian Lending Centre we look for ways to qualify self-employed loan applicants, not reject them. We look at the big picture, and find the best personal loan product for your current (not past) situation.

Your self-employed personal loan could be for a holiday or home renovations. Whatever you need, our finance can cover it.

Bad credit personal loans for holidays to the tropics
fast car illustrating no credit check loans

Self-Employed Car Loan

Being self-employed shouldn’t make buying a new car difficult, but sometimes it can, especially if you are applying with the banks. It’s important to note however that independent contractors, freelancers and business owners can qualify for auto loans successfully. The most significant part of applying is knowing what kind of documentation will be required in order to show lenders that you can afford the payments over the period of the loan. 

Australian Lending Centre works hard to find the best car finance options for self-employed business people and we will guide you through the process, to make it simple and easy. Non-bank self-employed car loans are something we help provide on a regular basis, co apply today and get that “new car smell” in your life.

Self-Employed Equipment Finance

As a self-employed entrepreneur chances are you need equipment, and this equipment can be expensive and technology driven so you’ll need to keep it up to date, in order so stay competitive. Take photographers and designers as an example. You need a great camera, lenses, a large and clear screen and loads of memory on your computer, regardless of which platform your prefer to work with. You need to provide clients with the highest resolution images, processed and retouched with the most up to date hardware and software. 

Getting a loan for self-employed equipment shouldn’t be complicated. We want to help you success in your endeavours whether you are a tradie, photographer, videographer, designer or other business owner who needs the best equipment on the market to be competitive.

equipment and leasing finance
self-employed loans for small business

Self-Employed Short-Term Loan

There comes a time in every self-employer person’s career that cash flow gets tight. On paper you look great, you have been flat out, with plenty of work and you have a lot of new projects in the pipeline. The problem is you are waiting to be paid, and cash is very tight.

We can offer self employed short-term loans to tide you over, until your client’s pay you in full or you finish that massive project with a big payout at the end.

It’s a fact of life that sometimes clients can stretch COD to 30 days and some clients, often larger ones, can stretch 30 days to 90 days. While it’s important to keep pushing for payment you also don’t want to go under waiting for payment in the meantime.

Self-Employed Start-Up Loan

You’ve got a great idea for a start-up small business that in your gut you know is brilliant, innovative and will work financially. Trouble is there’s a big gap between and idea to a working business model. This is why we offer self-employed start-up loans. The banks will probably knock you back, they are not known for being imaginative or embracing new concepts. 

We on the other hand, love helping innovative, alternative thinkers with clever ideas and a solid business plan moving forward.

Australian Lending Centre will always try to accommodate self-motivated business people with brilliant ideas.

Self-employed loans for cafes and restaurants
short term personal loan consultant

Non-Bank Lenders for the Self-Employed

Your traditional banking institution needs verifiable, predictable income, especially for large loans. Unfortunately, self-employed income varies month-to-month or even year-to-year, making it hard for a bank to lend. 

Typically in a bank situation, you’re required to provide your tax verification, income statements, financial statements, proof of cash or assets and your credit file. For these reasons, self-employed loans are not commonly available from the banks. Even if you have impeccable credit, a financial institution can deny you because of unreliable income!

Self-Employed Low Doc Loans

If you are concerned that your credit score will stop you from getting the loan you need, don’t worry at all. At ALC we look to the future, not the past. We have loans for people with a bad credit history, no credit history, and more! You don’t have to have stress when applying with Australian Lending Centre because we will not perform credit checks unless authorised.

Stop stressing about life’s moments and start enjoying them with the self-employed loan you need now.

Call Australian Lending Centre on 1300 138 188 or enquire online today. We will provide a COMPLIMENTARY no obligation consultation that has zero impact on your credit file.

Low Doc Loans
Trouble making repayments and afraid of asking for another loan?

Self-Employed Bad Credit Loans

Being self-employed can take a huge toll on your finances. Even if you have bad credit, recovering credit or no credit, we go above and beyond to help you escape the cycle of bad credit with a self-employed loan.

We look at your whole business operation, future plans and work with you to get the finance you need to keep your business not just afloat, but thriving.

Don’t let your credit or your employment status get in the way of starting a business or funding your next project. Contact us today and see if you qualify for self-employed loans!

Get Started with Self-Employed Loans!

Running or starting a business is exciting! We share your excitement and want to help you reach your goal of owning your own business through self-employed loans. Banks and other lending institutions will turn you away just because you lack regular income or bank statements to prove you have the ability to payback the loan. We believe this is unreasonable and our goal is to provide small businesses with the self-employed loan they need.

You may also want to consider grants from the Government so check them out as well.

Getting started with Australian Lending Centre for a self-employed loan requires a 30 second form and just one phone call. We can tell you over the phone if you qualify and for how much. Contact a self-employed loan specialist today!

self employed equipment finance

Talk to a self-employment expert on 1300 138 188

Call us!

Start your online application for a self-employed loan

Apply Online

Fast & Easy Self-employed Loan Application

Click the “Start Your Application” button. It is on the top right in the menu.

Select the type of loan that you want by clicking the button with the icon.

Step 3: Fill out the form icon

Continue through the form and follow through to the upload document prompts.

Step 4: Receive your money fast icon

If approved, the funds could be transferred to your account as little as 72 hours.

Learn More About Self-Employed Finance

Lack of safety net

Many people who are self-employed are less ready for negative events that larger companies. For example while large companies factor in things like legal challenges, most small business owners don’t have anything to fall back on should they face being sued. Many small business owners also use savings for emergencies, rather than using this money for potential growth. A lot of self-employed people also don’t allow contributions to their superannuation. 

Self-taught financial management

When you are self-employed you often have to learn to manage your business finances. This is often where small business people trip. There is a very high percentage of small business owners who freely admit that their methods are less than stellar and could do with improvement.

We recommend the following for help improve your financial management:

  • Review your financial situation on a regular basis
  • Develop and stick to a budget. Check out our free budget planner here…
  • Put away money for taxes
  • Ensure you keep your high-interest debt to a minimum
  • Give yourself a regular salary
  • Get advice on your business structure so it is optimised for tax and growth
  • Ensure you know what you can claim legitimately on tax and maximise this.

Banks are notorious for not lending to the self-employed. Most small business do not feel the banks are supportive or understanding of their needs.

Credit officers at banks look for collateral, regular income and employment, steady savings and other criteria that self-employed professionals don’t embody.

You can improve your chances loan approval with by applying with bank alternatives like Australian Lending Centre.

Do-it-yourself methods

A lot of self-employed professionals enter fields with little to no experience, educating themselves as the need arises.

Small businesses are amazing for their ability to perform all the same functions as large businesses with less staff. The problem is that self-employed people stretch themselves really thin and while they may get through, it often causes longer term problems with short cuts taken along the way and bandaid approaches. This can lead to inefficiencies and puts the small business at a disadvantage.

Specific knowledge on key topics is vital when running your own business. It’s a good idea to bring on a an expert adviser in a consultant capacity in areas that aren’t your core area of expertise, particularly when it comes to financial management.

Traditional lenders will generally consider any source of income that is stable, consistent, and ongoing.

Many businesses go through ups and downs. For instance, a property developer starting a new community may have a lot of expenses one year, buying property, applying for DAs and building. The business may show little income or even big losses for that year.

The following year, however, the properties sell and the income shows as very high. If you apply for a loan during the first year, you’ll have to prove to the lender that your business is healthy and that this is a regular pattern.

May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
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Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
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Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
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Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
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Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
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I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
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Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
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Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
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Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

Self-Employed Finance FAQ's