Trading History refers to a record of a business’s financial activity over time, including revenue, expenses, and bank account transactions. Lenders use trading history to assess the creditworthiness and financial stability of a business when applying for finance such as Low Doc Asset Finance, No Doc Loans and Working Capital Loans.

Why Trading History Matters

Trading history provides lenders with insight into the performance, consistency, and reliability of a business’s cashflow. It is essential for calculating Borrowing Capacity, Credit Limits and repayment ability. SMEs in the Tradie Hub, Truckie Hub, Café Hub and Whitecoat Hub rely on accurate trading history to gain faster loan approvals.

How Trading History Works in Finance

• Business provides records of revenue, expenses, and transactions over 6–12 months.
• Lenders review trends to assess stability and repayment capability.
• Used for Low Doc and No Doc style loan approvals and pre-approval processes.
• Helps determine limits, interest rates, and loan terms.
• Accurate trading history improves chances of faster finance approvals.

Related Switchboard Resources

• Low Doc Asset Finance
• No Doc (Glossary)
• Working Capital Loans
• Business Loans
• Business Line of Credit
• Invoice Finance
• Business Owners Finance Hub
• Tradie Hub
• Truckie Hub
• Café Hub
• Whitecoat Hub
• Business Cashflow System (WCL + LOC + Invoice)
• Working Capital Loans 2025 – Deep Dive

Official info: business.gov.au