Our Commitment to You
Breezy Business Loans is a trading name of Breezy Loans Pty Ltd (ABN: 29 627 702 943), operating as an authorised credit representative (Credit Representative Number 514197) under Australian Credit Licence 389610. We are committed to handling all complaints fairly, efficiently, and in line with our regulatory obligations under the National Consumer Credit Protection Act 2009.
We operate a clear two-stage dispute resolution process: first, an internal review by our complaints officer, and if unresolved, escalation to the Australian Financial Complaints Authority (AFCA) — a free, independent external dispute resolution scheme approved by ASIC.
Your Rights: You may take your complaint to AFCA at any time. However, we encourage you to contact us first — most issues are resolved quickly and at no cost to you.
Contact Us Directly
We aim to acknowledge all complaints within 1 business day and resolve most issues within 5 business days.
Submit Your Complaint
Email hello@breezybusinessloans.com.au with subject "Complaint". Include your full name, contact number, application reference, description of the issue, and desired outcome.
Acknowledgement Within 1 Business Day
We confirm receipt and assign a complaint reference number. You are told who is handling your complaint and the expected resolution timeframe.
Investigation
Our complaints officer reviews your case against our obligations under the National Credit Code, gathers all relevant information, and assesses the matter impartially.
Written Resolution
We provide a written response with our findings, any action taken, and your options if dissatisfied — within 30 calendar days.
We will respond within 1 business day.
Internal Review
If dissatisfied with our initial response, request an internal review by replying with subject: "Internal Review Request — [Your Reference Number]". A senior team member not involved in the original decision will review your case and provide a final response within 45 calendar days of your original complaint.
Possible resolutions: explanation of actions, correction of errors, referral to alternative lender, removal of incorrect information, or — where appropriate — financial remedy. Every complaint is assessed individually.
External Resolution — AFCA
If unresolved after our internal review, or if we have not responded within 30 calendar days, you may escalate to AFCA at any time.
Australian Financial Complaints Authority
Free, independent, ASIC-approved external dispute resolution. Decisions are binding on us but not on you.
Contact AFCA
Phone: 1800 931 678 (free)
Web: afca.org.au
Email: info@afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001
Time limit: Lodge your AFCA complaint within 2 years of receiving our final written response.
Response Timeframe Summary
| Stage | Timeframe |
|---|---|
| Acknowledgement | 1 business day |
| Resolution — most complaints | 5 business days |
| Resolution — complex complaints | 30 calendar days |
| Internal review (if requested) | 45 calendar days from original complaint |
| AFCA eligibility | After 30 days, or at any time |
Complaints About Lenders in Our Network
If your complaint relates to a lender we referred you to — their rates, fees, loan terms, conduct, or credit decisions — contact that lender directly first. Each lender is independently licensed with their own complaints process and AFCA membership. Email us if you need help identifying the right contact.
Note: We cannot overturn lender credit decisions (declined applications, rates offered) as these are made solely by the lender. We can help you understand the process and refer you to AFCA.
Complaints Contact
Breezy Business Loans — Complaints Officer
Breezy Loans Pty Ltd | ABN: 29 627 702 943 | Credit Representative 514197 | ACL 389610
📧 Email: hello@breezybusinessloans.com.au (Subject: Complaint)
🌐 Website: breezybusinessloans.com.au