Book a Hero
Self-employed is not the same as high risk.
SME Bro reads your books the way a credit assessor needs them read — add-backs, retained profits, trust distributions — and takes your file to the lenders whose policy actually fits how you earn.
1 Yr
Minimum trading history
Low doc
Options where needed
9 Days
Fastest approval last year
Who SME Bro is for
Sole traders, companies, trusts, and the messy year that followed a good one.
Book SME Bro if
Your income comes from your own business or ABN
You have one or two years of returns, not three
Your structure involves a company or a family trust
Your taxable income looks lower than what you actually live on
A bank has told you to come back with another year of figures
Ask for someone else if
You are on PAYG payslips — Hearth Hero or Rate Renegade
You are buying business premises — that is Capital Titan
You just want equity out of the family home — Equity Guardian
If your accountant is mid-way through the return, tell us. Sometimes the right move is to wait three weeks for a stronger set of figures.
Three Steps From First Call To Approved
Three steps. You have one conversation; we handle the lenders, the paperwork and the chasing.
Contact NowRead the business, not the payslip
Send two years of returns, or your BAS if the returns are not lodged. We rebuild your real income with the add-backs a lender will accept — depreciation, one-offs, extra super — instead of taking the taxable figure at face value.
Match structure to policy
Company, trust, sole trader or a mix of all three: each is read differently by each lender, and a few will not touch some of them. We pick the ones whose policy already fits your setup, so nothing has to be restructured to suit the loan.
Package it once, properly
Self-employed files get declined for missing paperwork more than for weak numbers. We assemble the full pack — returns, BAS, ATO position, accountant's declaration — before it goes anywhere, so it is assessed once.
Approved on the same figures a bank refused
Nothing changed about their income. Only who read it, and how.
Self-employed for six years and no bank would look at me. SME Bro read my books properly and found a lender who would.
DH Dan H.Self-employed · HobartThree lenders said my trust structure was too messy. Jess had an approval in nine days.
RT Rachel & Omar T.Self-employed · PerthMy first trading year was strong and my second was flat. She explained why in the submission instead of hoping nobody noticed.
LO Liam O.Small business owner · Cairns
What lenders really ask about your business
And what you can do about each one.
Two years suits most lenders, one year suits several, and under a year is possible if you were doing the same work as an employee beforehand. We match your history to policy instead of assuming a blanket rule.
Different situation? Different hero.
Same free call, same panel of 40+ lenders.
