ASLS Credit Guide

1. About Us

This Credit Guide is issued by Australian Executive Solutions Pty Ltd trading as Australian Solar Lending Solutions (ASLS), ABN 39 648 630 148.

ASLS operates as a finance broker and credit assistance provider. We specialise in asset finance, commercial lending and energy related funding solutions, including solar systems, battery storage, EV charging infrastructure and associated equipment.

ASLS is used to facilitate applications, manage vendor relationships and connect clients with a panel of credit providers.

ASLS acts as an intermediary between you and credit providers. We do not provide credit directly.

2. Regulatory Framework

ASLS provides credit assistance in relation to both consumer credit and commercial credit.

Where services relate to consumer credit, we operate in accordance with the National Consumer Credit Protection Act 2009 and applicable regulatory obligations.

Credit assistance is provided under an Australian Credit Licence held by Melbourne Finance Broking Pty Ltd, Australian Credit Licence Number 387036.

In providing our services, we operate in conjunction with this licence and associated aggregation arrangements.

Where services relate to commercial or business purpose lending, those activities are generally not regulated under the National Consumer Credit Protection Act.

3. Our Services

We provide credit assistance to individuals and businesses seeking finance for commercial and asset related purposes.

We do not provide credit directly. All finance is provided by third party credit providers.

• Assisting you to obtain commercial and business finance
• Assisting you to obtain equipment and asset finance
• Assisting with funding solutions for solar and energy related systems, including associated infrastructure
• Assisting with private lending and structured funding arrangements
• Make reasonable inquiries to understand your objectives, requirements and financial position
• Assess the information you provide to determine suitable funding options
• Identify and present appropriate credit providers from our lender panel
• Assist in structuring your application to align with the relevant credit provider's requirements
• Manage the submission and progression of your application through to outcome

4. Our Lender Panel

We maintain relationships with a broad panel of credit providers, including banks, non bank lenders, specialist funders and commercial finance providers.

Your application may be submitted to one or more credit providers depending on your circumstances, requirements and suitability.

This panel may change from time to time. We may also work with additional credit providers where appropriate.

• Angle Finance
• Agile Energy
• ANZ Banking Group
• Australian Motorcycle Marine Finance
• Automotive Financial Services
• Azora Asset Finance
• Branded Financial Services
• Bank of Queensland
• BOQ Credit
• BOQ Equipment Finance
• Bizcap
• Capital Finance Australia
• Earlypay
• CFI Finance
• Commonwealth Bank of Australia
• Dynamoney
• Equity One Mortgage Fund
• Finance One
• Flexi Commercial
• Banjo Loans
• Green Light Auto Group
• Grenke Finance
• Judo Bank
• Latitude Financial Services
• Liberty Financial
• Lumi Finance
• Macquarie Leasing
• Medfin Australia
• Metro Finance
• Metro CF
• MoneyMe trading as Autopay
• Moneytech Finance
• Morris Finance
• Moula Money
• National Australia Bank
• OnDeck Capital
• Pepper Asset Finance
• Plenti
• Prospa Advance
• Quest Finance
• RACV Finance
• Resimac Asset Finance
• ScotPac
• Shift Financial
• Selfco
• TruePillars
• Vestone Capital
• Volkswagen Financial Services Australia
• Westlawn Finance
• Westpac Banking Corporation
• Yellowgate Group
• Zip Business Australia

5. Our Approach to Credit Assistance

We adopt a structured and considered approach to providing credit assistance.

We operate a multi lender model. This means your application may be assessed by one or more credit providers, depending on suitability and the nature of the transaction.

Where appropriate, applications may be restructured or presented to alternative credit providers in order to improve the likelihood of approval or to better align with your requirements.

We take reasonable steps to manage the number of credit enquiries made on your behalf and aim to minimise unnecessary or duplicative submissions.

6. Fees and Commissions

We may receive remuneration in connection with the credit assistance we provide.

This may include upfront commissions paid by a credit provider upon settlement of a finance facility and ongoing commissions paid by a credit provider over the term of the finance arrangement.

The amount and structure of any commission may vary depending on the credit provider, the type of product, and the terms of the finance.

In some circumstances, we may charge a brokerage or service fee for the services we provide. Where applicable, any such fee will be disclosed to you prior to proceeding and the amount of the fee and the circumstances in which it is payable will be clearly explained.

We may also receive non monetary benefits from credit providers, such as training, professional development, or access to systems and support services.

7. Collection, Use and Disclosure of Information

We collect personal information and credit related information about you.

If you do not provide the information requested, we may be unable to process your application.

We may collect information directly from you, from credit reporting bodies, from credit providers, insurers and referrers, and from publicly available sources.

When assisting in the application process, we may also act on behalf of a credit provider for tasks reasonably necessary to manage your application.

This section should be read together with our Privacy Disclosure Statement.

8. Responsible Lending (Consumer Credit Only)

For regulated consumer credit, we comply with responsible lending obligations under the National Consumer Credit Protection Act 2009.

These obligations include making reasonable inquiries about your requirements and financial situation, verifying relevant financial information, and assessing that a credit contract is not unsuitable.

These obligations do not generally apply to commercial credit.

9. Credit Reporting

We may obtain information about you from credit reporting bodies, including Equifax, Experian and Illion.

We may use this information to assess your application, assist in sourcing appropriate credit providers, and support credit providers in assessing your application.

A credit provider may disclose information about you to a credit reporting body and collect information about you from a credit reporting body.

You have rights to access your information, request correction, request a credit reporting body not to use your information for direct marketing, and request restrictions where you believe you are a victim of fraud.

ASLS does not generally report repayment history or defaults. This is undertaken by the relevant credit provider.

10. Privacy

We collect, use and disclose your information in accordance with the Privacy Act 1988.

Your information may be used to assess your application, provide our services, and comply with legal obligations.

We may disclose your information to credit providers, insurers, service providers, and other parties involved in the funding or administration of your finance.

Further details are set out in our Privacy Disclosure Statement.

11. Complaints and Dispute Resolution

If you have a complaint about our services or how your information has been handled, you may contact us using the contact details set out in this Credit Guide.

We will acknowledge your complaint promptly and investigate it in accordance with our internal dispute resolution procedures.

We will provide you with a written response within 30 days, unless a longer period is agreed.

If you are not satisfied, you may refer your complaint to the Australian Financial Complaints Authority. AFCA provides a free and independent dispute resolution service.

12. Contact Details

Australian Solar Lending Solutions Platform

Phone: 0451 411 183

Email: john@asls.net.au