Self-Employed·8 August 2026·1 min read
Add-backs explained: why your loan capacity is bigger than your tax return
Depreciation, one-off expenses and extra super can all be added back to your assessable income.
Business owners are routinely told they can't borrow much because their taxable income is low. That figure is optimised for tax, not for credit assessment.
Add-backs are legitimate adjustments a credit assessor can make to reflect the cash your business actually generates. Depreciation is the classic one.
Non-recurring expenses, superannuation above the compulsory rate, and interest on debt being refinanced are all commonly acceptable.
Bring two years of company and personal returns to the first conversation and we will map the add-backs before anything is lodged.
General information only. This article does not take your personal circumstances into account and does not constitute credit advice.