Overcoming Traditional Bank Red Tape
If you run a company, trust, partnership, or trade as a sole trader, your tax returns often reflect legitimate business deductions, depreciation, and write-offs. While this is great for tax efficiency, standard retail bank branches frequently misinterpret these figures as "low income" and decline the application.
At Top Deal Finance, we understand how business financials work. We partner with non-bank and specialized tier-1 lenders that verify serviceability using practical commercial metrics:
1-Year Tax Return Solutions
Most banks require 2 full years of consecutive tax returns. We work with lenders who assess eligibility using only your most recent 12 months of trading.
BAS & Bank Statement Loans
Tax returns not completed yet? Verify income seamlessly using your last 2 to 4 Business Activity Statements (BAS) or 6 months of trading bank statements.
Accountant's Declarations
A simple declaration letter from your certified CPA or tax accountant stating your expected income is all that is required for qualifying alt-doc products.
Trust & Company Borrowers
Expert loan structuring for complex corporate entities, discretionary family trusts, and unit trusts with corporate beneficiaries.