Self Employed Loans
Empowering Self Starters with Real Lending Solutions
What Are Self Employed Loans?
Self employed loans are financial products tailored specifically for individuals whose income doesn’t come with a payslip. Whether you’re a sole trader, contractor, small business owner, or freelancer, these loans are designed to reflect the realities of running your own business.
FYX Finance provides flexible, low-doc and full-doc lending solutions that give you access to funding on your terms—without treating you like a risk.
Who Are Self Employed Loans For?
Self employed borrowers often face more scrutiny from lenders due to income variability. But at FYX, we take a broader view—one that sees your business as a strength, not a barrier.
Sole Trader
Needing a home loan without traditional PAYG records
Freelancer
With variable monthly income
Business Owner
Looking to secure a personal loan
Contractor or Self Starter
Planning your next move
Key Features of FYX Finance Loans for the Self Employed
Tailored assessment
We review your business as a whole, not just your last tax return. No one-size-fits-all solutions.
Low doc options
Ideal for self-employed borrowers with strong financials that don’t fit standard criteria.
Fast approvals
Real-time checks let you get approval quickly, with no unnecessary waiting.
Flexible loan types
From personal loans to self-employed and sole trader home loans, we’ve got you covered.
Repayment flexibility
Weekly, fortnightly, or monthly payment options to suit your cash flow perfectly.
Finance Solutions Built for You
Personal Loans for Self Employed
Great for covering life’s bigger moments—whether it’s upgrading equipment, consolidating debt, or managing unexpected expenses.
- Borrow from $5,000 to $50,000
- Low doc or full doc based on your documents
- Use bank statements or BAS instead of payslips
Self Employed Home Loans (Alt Doc)
For those looking to get into the property market or refinance.
- Borrow up to 95% of property value (with full-doc)
- Alternative verification accepted (BAS, accountant letters, bank statements)
- Split, fixed, or variable rate options
What can you use a self-employed loan for?
What You’ll Need To Apply
Depending on your loan type, documentation may include:
1–2 years of business and personal tax returns
Business Activity Statements (BAS)
6–12 months of business bank statements
ABN and GST registration details
Accountant’s income declaration
Let's move forward together
If your situation is more complex—don’t worry. Our lending specialists are trained to understand and interpret non-traditional income.
FYX Finance: Built for Borrowers Who Think Ahead
We’re not just about getting a loan approved—we’re about getting the right loan for where you’re headed next.
Independent mortgage manager with access to a wide lender network
Non-bank flexibility and private lending pathways
Deep knowledge of commercial markets and business borrowing
Personalised support from first inquiry through to settlement and beyond.
Ready to Apply?
We’ll walk you through your options for self-employed loans, check your eligibility, and get you on your way—with no pressure and no confusing forms.
