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E-Commerce Sellers · Self-Employed Home Loans
Low Doc Home Loans for E-Commerce Sellers
Home loans for Amazon FBA, Shopify and eBay business owners. We verify income via BAS, accountant letter or platform payout statements — no two years of tax returns required.
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Why low doc fits e-commerce sellers
E-commerce businesses scale fast. Year 1 might be $30k revenue, year 2 $300k, year 3 $1M+. Tax returns can’t keep up. A low doc home loan uses recent BAS or platform payout statements to capture current trading reality. Most importantly, lenders accept Amazon, Shopify and eBay payouts into your business account as legitimate income evidence.
Who this page is for
Amazon FBA sellers (Australia, US, UK marketplaces), Shopify store owners, eBay PowerSellers, Etsy sellers, drop-shippers, white-label product brand owners, and multi-platform e-commerce operators. Includes Australian-based sellers with international revenue.
Income evidence we can use
12 months of BAS is the standard path and reflects all sales (AU and international, GST handled separately). An accountant letter declaring net profit is the best path if margins are good. Some lenders accept 6–12 months of business bank statements showing platform payouts as a primary or supplementary evidence path.
Typical borrowing capacity
E-commerce sellers with $200k+ assessed annual net income typically borrow $700k–$1.5M. Up to 80% LVR standard. Higher-margin operators (white-label brands, niche products) may have higher net income vs gross revenue than diversified resellers — that distinction matters for serviceability.
FAQs — E-commerce seller home loans
My income is in USD from Amazon US — problem?
No. As long as the funds clear to your Australian business account (typically via Payoneer, Wise or Amazon Currency Converter), lenders count them as AUD income at the converted rate.
Drop-shipping has thin margins — will I qualify?
Drop-shipping at 15–20% net margin is workable but lenders will scrutinise sustainability. White-label or own-brand operations at 30–50% margins are viewed more favourably.
Inventory financed via loans — affects serviceability?
Yes — e-commerce-specific finance (Shopify Capital, Amazon Lending, Wayflyer) is treated as a business debt. Disclose it; we’ll factor it correctly.
E-commerce mortgage broker
Free consultation. We understand Amazon, Shopify and platform-driven income.
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