No income verification business loans
Business purpose loans secured by residential property, for company and trust borrowers with strong security but income that's hard to evidence. No income verification: we assess the security and the exit.
Standard Term figures. Loans from $200,000 to $15,000,000 across our three products. See the full matrix
How we read it
No servicing calculator.
We don't verify income. A person in credit reads the deal and assesses the security and the exit.
The security carries the deal.
A first mortgage over a residential house, townhouse, unit or apartment, up to 75% LVR on Standard Term.
One credit rule that stays.
At least one guarantor needs a credit score of 550 or above.
Real deals from our desk
Just fundedBurton, SAEquity release
$300K
8.45% · 24 months
The scenario
A produce business released equity from its property in Burton, South Australia.
How we read it
Low gearing, a business purpose stated in one line, and a first registered mortgage. Approved on a 24-month term.
$300K settled at 23.08% LVR on a 24-month term.
Just fundedSouth Penrith, NSWEquity release
$640K
7.99% · 12 months
The scenario
A business owner with a project under way needed to clear the ATO and two business lenders, and fund the work still to come.
The catch
Short-term business debt stacked against one property, and a project that still needed cash to finish.
How we read it
Assessed on the security and the exit. We paid the ATO and both lenders directly at settlement and released the balance as working capital.
$640K settled at 55.65% LVR. The ATO and two business lenders paid out, and working capital released for the project.
Just fundedDover Heights, NSWRefinance and ATO payout
$4.42M
8.35% · 12 months
The scenario
A company borrower, with three trusts and four guarantors behind it, held a house in Dover Heights carrying an existing facility and an outstanding ATO position.
The catch
Most lenders want a tax debt resolved before they will look at a deal. This borrower needed the funding in order to resolve it.
How we read it
Valued at $8M, the security carried both debts comfortably. We paid the existing lender and the ATO directly at settlement, so neither had to be solved first.
$4.42M settled at 55.25% LVR. The existing facility and every ATO liability were cleared from one first mortgage.
Client details anonymised. Figures reflect the approved structure and are subject to Titan Capital's credit criteria. Terms and conditions apply.
Not sure where a deal sits? Check it against the matrix
No income verification is required. We assess the security and the exit, not a servicing calculator.
How the loan will be repaid at the end of its term, for example by a sale or a refinance. Standard Term loans run 3 to 24 months.
No. A low doc loan usually swaps tax returns for other income evidence, such as an accountant's letter or BAS. We don't verify income at all.
At least one guarantor needs a credit score of 550 or above. Beyond that, a person in credit reads the whole deal.
No. The borrower must be a company or trust, and the loan must be for a business purpose.
Standard Term rates start from 7.95%, with a line fee of 0.10% per month. The establishment fee is set per deal and your RM confirms it with the indicative terms. There is no exit fee, and brokerage is paid once, on settlement, with no clawback.
Rates and fees are indicative, current as at October 2026, and subject to Titan Capital's credit assessment. Business purpose lending only. Terms and conditions apply.
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