Questions, answered plainly

No. There's no credit check when you first enquire with Hassle Free Loans. Asking what's possible leaves your credit file untouched. A check only happens later, if you choose to go ahead with a specific option.

At the assessment stage, after you've talked to us, chosen an option and sent your documents. We'll tell you whose credit file will be checked before it happens.

Usually the people behind the business: the sole trader, each partner, or the directors and anyone giving a guarantee. Company credit files may be checked too.

Yes. Bad credit and ATO debt are considered case by case. Tell us about it in the enquiry so the options we discuss are realistic from the start.

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 you won't get a wave of calls from strangers.

One real person from our lending team, generally during business hours. The call may come from a number you don't recognise, so it's worth answering unknown numbers for a day or so.

Yes, with your permission. Just let us know who they are and what they can discuss.

That wasn't us, but our guide on stopping loan marketing calls explains how to withdraw consent, unsubscribe and find out where your details came from.

None. Documents come later, and only the ones your chosen option needs. Our paperwork checklist builder shows the likely list in advance.

Commonly photo ID, your ABN and recent business bank statements. Depending on your situation, you may also need BAS, an ATO statement, tax returns, an accountant's letter, trust or company documents, or property details.

Often, yes. Bank statements, lodged BAS or an accountant's letter can sometimes stand in. Tell us where your lodgements are up to.

Mention it, and whether it's on a payment plan. ATO debt is considered case by case, and some businesses borrow specifically to clear it.

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 over residential or commercial property.

No. Every loan is priced on the business's own circumstances: the amount, security, trading history, credit and purpose. You'll see every cost in writing before you sign.

No. Enquiring is free. Any costs of a loan are set out in the written terms for you to read before you commit.

No. We help with business-purpose finance only, for Australian sole traders, partnerships, companies and trusts.

No. The enquiry involves no credit check. Before a loan is approved, a responsible lender will generally review credit history. Be wary of anyone promising funds with no checks at all.

Because every answer is later checked against documents. Accurate answers, including anything awkward, mean the option we discuss on the first call is the one that still fits at the end.