How It Works | Hassle Free Loans

Most of the hassle in business finance comes from the order things happen in: long forms, uploads and credit checks before anyone has told you whether you're in the right place. We flip that around. You talk to a real person first, and only gather documents or agree to a credit check once you've chosen an option that fits.

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1. Tell us what you need (about 60 seconds)
How much, what it's for, and a few facts about your business. No documents, no uploads, and no credit check.
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2. A real person reads it and calls you
One lending specialist from our own team, not a queue of strangers. Your details aren't sent to a pile of lenders.
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3. Your options, in plain English
What could work, what probably won't and why, and what each option would involve. No pressure to decide on the call.
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4. You choose, then get one document list
If you go ahead, we tell you exactly which documents that option needs. You send them once, in one batch.
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5. Assessment, including a credit check
This is the first time a credit check happens, for the people involved in the option you chose. We tell you whose file is checked first.
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6. Written terms, then funding
You read every cost and condition in writing before signing. Once documents are signed and settled, funds are paid out.

What you'll need at each stage

Stage	Documents	Credit check
Enquiry	None	No
First call	None	No
You decide to go ahead	One tailored list	No
Assessment	Reviewed	Yes, once
Written terms	Loan documents to read and sign	Already done

Want to see your likely list now? Try the paperwork checklist builder. For the detail behind each step, read what happens after you enquire.

What we can help with

Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
Property-secured business loans from $20,000 to $5,000,000: first mortgages, second mortgages and caveat loans over residential or commercial property.
Bad credit and ATO debt considered case by case.
Business purposes only.

We don't publish interest rates, because every loan is priced on the business's own circumstances. You'll see every cost in writing before you sign.

Common questions

Does enquiring affect my credit score?

No. There's no credit check when you first enquire. A check only happens at the assessment stage, after you've chosen to go ahead with a specific option.

Will my details be sent to lots of lenders?

No. Your enquiry goes to our own lending team. We don't sell it or spray it across a pile of lenders, so you'll hear from one real person.

How long does the enquiry take?

About 60 seconds for most people. It asks only for the basics.

Do I need documents to start?

No. Documents come later, and only the ones your chosen option needs. Our paperwork checklist builder shows the likely list in advance.

Can I stop at any point?

Yes. Nothing is binding until you sign the written loan documents. You can pause or walk away at any stage before that.

Why do you want the form filled in accurately?

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

Start with step one

It takes about a minute, there's no credit check when you first enquire, and your details stay with our team. Please answer as accurately as you can so we can match you properly first time.

Start my 60-second enquiry →

How it works, step by step