Who We Are
Breezy Business Loans is a trading name of Breezy Loans Pty Ltd (ABN: 29 627 702 943), authorised Credit Representative Number 514197 under Australian Credit Licence 389610. We operate a loan referral and comparison service connecting Australian businesses with licensed lenders.
We do not directly provide credit. When you submit an application, your information is forwarded to lenders in our network who independently assess your eligibility.
By Submitting an Application, You Acknowledge That:
- You are at least 18 years of age and an Australian resident or entity.
- All information provided in your application is true, accurate, and complete to the best of your knowledge.
- You understand that submitting an application does not guarantee loan approval — all lending decisions are made independently by lenders.
- You authorise Breezy Business Loans to submit your application details to one or more lenders in our network for assessment.
- You understand that lenders will contact you directly regarding their assessment, rates, fees, and terms.
- You have read and understood the rate and fee disclaimers on this website and acknowledge that advertised rates may not reflect the rate offered to you.
- You are applying for a commercial credit product for business purposes, not for personal, domestic, or household use.
Important: Applications for equity loans secured against residential property are assessed under the National Credit Code. Business loan applications may be assessed under different legislative frameworks depending on the lender.
Consent to Share Your Information
By submitting an application, you expressly consent to Breezy Business Loans sharing your personal and business information with:
- Licensed lenders within our referral network for the purpose of assessing your loan application.
- Credit reporting agencies, where required by lenders as part of their credit assessment process.
- Our technology and platform service providers who assist us in operating this website and processing applications (under confidentiality obligations).
We do not sell your personal information to third parties for marketing purposes. Your information is shared solely for the purpose of facilitating your loan application.
You may withdraw your consent at any time by contacting us at hello@breezybusinessloans.com.au. Note that withdrawal of consent may prevent us from processing your application.
Marketing & Communications
By submitting an application, you consent to being contacted by Breezy Business Loans and lenders in our network regarding:
- Your loan application and any follow-up information required.
- Loan products, services, and offers that may be relevant to your business needs.
- Important updates to our terms, services, or regulatory obligations.
You may opt out of marketing communications at any time by clicking "unsubscribe" in any email or by contacting us directly. Opting out of marketing will not affect communications relating to your active application or loan.
Privacy Acknowledgement
By submitting an application, you acknowledge that you have read and understood our Privacy Policy, which details how we collect, use, store, and protect your personal and business information in accordance with the Privacy Act 1988 (Cth).
You have the right to access, correct, or request deletion of your personal information at any time by contacting hello@breezybusinessloans.com.au.
Credit Assessment Consent
By submitting an application, you acknowledge and consent to:
- Lenders in our network conducting credit enquiries and accessing your credit file as part of their assessment process.
- Your credit history, financial position, and business performance being assessed against each lender's individual lending criteria.
- The possibility that multiple lenders may access your credit file, which may be recorded as enquiries on your credit report.
Equity Loans: Property-backed equity loans generally do not require a credit check as part of Breezy Business Loans' initial assessment. However, lenders may conduct their own credit verification prior to settlement. "Bad credit welcome" refers to the general acceptance of impaired credit histories — it does not guarantee approval.
Our Liability
Breezy Business Loans provides a referral and comparison service only. To the maximum extent permitted by law:
- We are not liable for any lending decisions made by lenders in our network, including declined applications.
- We are not responsible for the rates, fees, or terms offered by lenders — these are determined solely by each lender.
- We are not liable for any loss, damage, or financial hardship arising from a loan product accessed through our platform.
- Indicative rates, calculator outputs, and comparison information on this website are for general guidance only and do not constitute a loan offer or financial advice.
Nothing in this acknowledgement limits any rights you may have under the National Credit Code, the Australian Consumer Law, or other applicable legislation that cannot be excluded.
Updates to This Acknowledgement
We may update these acknowledgement and consent terms from time to time to reflect changes in our services, regulatory requirements, or operating practices. The current version will always be available at breezybusinessloans.com.au/acknowledgement-consent. Material changes will be noted with an updated "Last updated" date.
By continuing to use our service after changes are published, you accept the updated terms.