What is a Lease Doc Loan?

A Lease Doc Loan allows you to qualify for finance based on rental income from a leased property, no full financial statements or tax returns required.

Perfect for investors, business owners, and self-employed borrowers with an established lease in place.

How much can I borrow?

Most lenders offer up to 75% of the property’s value, depending on the lease agreement and rental return.

How fast can I get approved?

With minimal documentation, approvals can be issued within 24–48 hours.

Can I refinance my current loan?

Yes, we can help you move to a lower rate or restructure for better cash flow.

What documents do I need?

Typically just your lease agreement, property details, and identification, no tax returns required.

Lease Doc Loans | Commercial Lending

Rethink Financing helps business owners and investors access tailored Lease Doc Loans, no tax returns required. Secure competitive rates, faster approvals, and a lending partner who understands your goals.

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Sitamet Doloris Award 2018
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Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018
Sitamet Doloris Award 2018

Understanding Lease Doc Loans

A Lease Doc Loan allows borrowers to secure commercial finance based primarily on lease income rather than full tax returns or financial statements. The lease agreement and rental yield form the foundation of assessment.

Who Is Eligible for a Lease Doc Loan?

You may qualify if:

The property has a strong commercial lease in place

Rental income sufficiently covers repayments

You can contribute a deposit (typically up to 70% LVR)

You meet lender credit requirements

Why Choose a Lease Doc Loan?

A Lease Doc Loan is ideal for commercial property investors who qualify using rental income from an existing lease rather than full financial documentation. By focusing on the strength of the lease and property cash flow, this structure provides a streamlined and efficient pathway to secure funding.

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Lower interest rates - lenders reward full transparency.

Higher borrowing limits - up to 90%+ LVR in some cases.

Broad product features - fixed/variable, redraw, offset etc.

Stronger repayment flexibility - longer terms, fewer restrictions.

Suitable for salaried, self-employed (with full documentation) and established businesses.

Access to 30+ Leading Lenders

With Rethink Financing you are never limited by a single bank’s criteria. We work with more than 30 trusted lenders, from major banks to specialist boutique funders, to source the most competitive Lease Doc loan for your circumstances and strategy.