Australian business finance
Business loans, minus the hassle.
One short form. No credit check when you first enquire. Your details stay with one team instead of a pile of lenders, and a real person explains your options in plain English.
- No credit check to enquire
- Not sent to a pile of lenders
- Plain-English answers
The usual way
- Pages of questions up front
- A credit check just to ask
- Details passed to a pile of lenders
- Phone ringing all week
- Documents requested in drips
The hassle-free way
- About 60 seconds
- No credit check to enquire
- Stays with one lending team
- One real person calls you
- One tailored document list
The no-hassle promise
Four things you can count on
- 1
One short form
Around 60 seconds of basics. No uploads, no essays, no account to create.
- 2
No credit check to enquire
Your credit file stays untouched while you find out what's possible.
- 3
No spray and pray
Your details aren't sent to a pile of lenders. One team, one call.
- 4
Plain English, from a real person
Someone reads your enquiry, calls you and explains your options without jargon.
One small ask in return: fill the form in accurately, including the awkward bits. It's how we match you properly first time.
Paperwork checklist builder
What paperwork will you actually need?
Less than you think, and nothing at all to enquire. Try the quick version here, or open the full builder for a printable list tailored to your amount, purpose and tax position.
Plain-English answers
The questions people ask before they borrow
Straight answers about your credit file, your paperwork, the application itself, and the hassles worth avoiding.
Your credit file, left alone
How enquiring, applying and credit checks really affect your credit file, and how to keep it clean while you look at options.
See all 6 topics →Business loan paperwork, decoded
Exactly which documents lenders ask for, why they ask, and the quickest way to get each one without a fuss.
See all 9 topics →Applying for a business loan, simply
What a simple business loan application looks like, what you'll be asked, and what happens after you press send.
See all 7 topics →Hassles to avoid when you look for finance
Lead farms, non-stop calls and too-good-to-be-true offers. How to spot them and how to keep your details in your own hands.
See all 4 topics →How it works
Three calm steps, in the right order
- 1
Tell us what you need
About 60 seconds. Amount, purpose and a few facts about the business. No documents and no credit check.
- 2
A real person calls you
We explain which options could work, which probably won't, and what each would involve. No pressure to decide on the spot.
- 3
One list, then the paperwork
If you go ahead, you get one tailored document list. The credit check happens now, once, for the option you chose.
Hassle myths
Things people believe that keep them from asking
Just asking about a loan will hurt my credit score.
Only a formal credit check leaves a mark. Asking us leaves none.
Read why → I need a folder of paperwork before I can even enquire.
You need nothing to enquire. Documents come later, one tailored list.
Read why → Comparison sites get me more offers, so a better deal.
Often they get you more calls. One well-matched option beats ten callers.
Read why → No tax returns lodged means no business loan.
Bank statements, BAS or an accountant's letter can often stand in.
Read why →Filled in a comparison form?
If your phone hasn't stopped ringing, you may have met a lead farm.
Some loan websites pass one enquiry to a crowd of lenders and brokers. Check any site in a minute before you submit, or wind down the calls you're already getting.
What we can help with
Business finance, explained simply
Unsecured and cash-flow options
For trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Includes line-of-credit options.
Property-secured business loans
$20,000 to $5,000,000 against residential or commercial property: first mortgages, second mortgages and caveat loans.
Credit bumps and ATO debt
Past credit issues and ATO debt are considered case by case. Tell us up front and we'll factor them in. Business purposes only.
We don't publish interest rates. Every loan is priced on your business's own circumstances, and you'll see every cost in writing before you sign.
Guides
Get loan-ready, calmly
Practical guides for the jobs that make borrowing easier, written for Australian businesses.
How to Get Loan-Ready Without the Stress: A 14-Day Plan
A gentle two-week plan that gets your credit file, tax records, bank statements and story in order before you ever need to borrow.
How to Fix an Error on Your Credit Report (Free)
Wrong default, strange enquiry, old address? Here's how to get it corrected for free, what to say, and what to do if you're knocked back.
Lost Tax Paperwork? Get Copies of Returns, NOAs and BAS
Where to find copies of lodged tax returns, notices of assessment and activity statements, for sole traders, companies, trusts and partnerships.
Questions
Quick answers
Will enquiring affect my credit score?
No. There's no credit check when you first enquire with Hassle Free Loans. A credit check only comes up later, if you decide to go ahead with a specific option, and we'll tell you whose file will be checked before it happens.
Will my details be sent to lots of lenders?
No. Your enquiry goes to our own lending team. It isn't sprayed out to a pile of lenders or sold as a lead, so your phone won't start ringing from strangers.
What do I need to enquire?
About 60 seconds and some basic facts: how much you need, what it's for, how your business is set up and roughly what it turns over. No documents.
What kinds of business finance can you help with?
Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, and property-secured business loans from $20,000 to $5,000,000, including first mortgages, second mortgages and caveat loans. Business purposes only.
Can I enquire with bad credit or an ATO debt?
Yes. Bad credit and ATO debt are considered case by case. Mention them in your enquiry so the options we discuss are realistic.
Do you publish interest rates?
No. Every loan is priced on the business's individual circumstances, such as the amount, security, trading history and purpose. You'll see every cost in writing before you sign anything.
Is this for personal loans?
No. We help with business-purpose finance only, for Australian businesses of every structure: sole traders, partnerships, companies and trusts.
Why do you ask me to fill the form in accurately?
Because it's what lets us match you to the right option on the first call. Guessed turnover or an unmentioned tax debt tends to surface later and slow everything down.
Ask what's possible. Hassle not included.
About 60 seconds, no credit check when you first enquire, and one real person who explains your options in plain English.
No credit check to enquire
Not sent to a pile of lenders
A real person, plain English