CLIC MONEY / SELF-EMPLOYED LENDING
You run the business. We help explain the income behind it. Explore home, investment and commercial lending, including low-doc and alternative-documentation options where appropriate.
Whether you are a sole trader, contractor, company director or business owner, start with how your business earns income and what you want the loan to achieve. We look at your business and personal commitments together.
A full-documentation application may suit borrowers with the standard income records available. Where those records do not fully explain your position, we can discuss whether a low-doc or alternative-documentation route is appropriate. Low-doc still requires evidence and lender assessment.
We identify the documentation needed for the proposed application and can work with your accountant to clarify your business income and financial position. The evidence required varies between lenders and products.
A home purchase, investment and business property can create different funding needs. Discuss the purpose of each loan, how repayments fit your cash flow and the effect of any proposed guarantees or security.
These products use a different documentation approach from a standard loan. They may be relevant to some self-employed borrowers, but still require supporting evidence and lender assessment. Low-doc products can cost more and have different limits or conditions, so we compare the options carefully.
No. If you can meet a lender’s standard documentation requirements, a full-documentation application may be available. We start with your actual income records and needs.
An overview of the business, your loan goal and the income documentation available is enough to start.
YOUR NEXT STEP
Tell us about your business, your borrowing goal and the income records available. We’ll discuss the next steps before asking you to provide documents securely.