Frequently Asked Questions

Can lenders view my credit file?

ADS does not access your credit file when you submit a loan request or engage with the platform. Generally, lenders will need consent from individuals to access their credit report externally.

What can Finance Providers see?

Before a Finance Provider retains your loan request, they see the request itself – how much you need, the type of loan, your description and location – but not your name, contact details or documents. When one Finance Provider retains it, your contact details and documents are released to that provider only.

I didn't find a solution for my loan request that I posted. What should I do?

If you have not found a solution for your loan request, you can delete it and post a new one with further information or a rewritten description, to increase your chance of getting more responses. A new loan request is checked by ADS again before Finance Providers can see it.

What lenders and brokers do you have on your platform?

We have a number of non-bank lenders and brokers registered on our platform looking for an efficient way to connect with prospective customers. You can view our lenders through the "Search Finance" page on our website.

I am a Finance Provider – why can't I see real leads yet?

ADS verifies every Finance Provider to keep the platform's quality high and avoid spam – usually within 24–48 hours. Until then you see demo leads only. Real leads open once you have an active plan and ADS has verified you.

Once ADS has verified you, we email you. With an active plan you can then enquire about leads, ask the borrower questions and retain the ones you want.

I am a Finance Provider – how do I contact a borrower?

Open the lead in Find leads and press Enquire for free. You can ask the borrower up to 3 questions from a list, and they answer with a tap. When you are ready, press Retain: the borrower's contact details are released to you and you can message them on ADS. There is no free-text messaging before you retain.

Why should I upload a product sheet?

By uploading a product sheet to your provider profile on our platform, borrowers/brokers are able to see a summary of your company and products to give them more information. It is also free advertising for your company and can bring more traffic to your business.

Do I have to register to connect with borrowers/brokers?

Yes. To enquire about and retain loan requests, you register as a Finance Provider, choose a plan and are verified by ADS.

What do I do if there is a technical issue with the platform?

If you have come across a technical issue with the platform, please contact us via email: [email protected] or call us +61 2 9056 8281 so we can fix the issue immediately.

I would like to leave some feedback regarding my experience with the platform. Where can I do so?

Thank you for taking the time to leave some feedback, it is greatly appreciated. We rely on user feedback to ensure your experience with the platform is excellent in order to make improvements where needed. If you wish to leave detailed feedback, please send us an email: [email protected]

I wish to close my account. How do I do so?

We are sorry to see you go! Email [email protected] from the address on your account and we will close it.

Are all my loan requests under the same account?

All the loan requests that you have posted to our platform are under the same account. The email you use the first time to post a loan request, will be the same for all loan requests to ensure they are all under the same account. This email address is your username and will give you access to your dashboard on our platform.

How can I post a loan request?

Fill out the form on our website. You outline how much you need, the type of loan and a description. ADS checks every loan request before it goes live. Then Finance Providers can see it (without your name or contact details) and ask you questions about it, and when one retains it, they can contact you and message you on ADS.

Finance Providers have asked me questions about my loan request. Why?

A Finance Provider interested in your request can ask you up to 3 questions, chosen from a list. You answer with a tap on your Messages page, and you are never asked the same question twice. Your answers help them decide whether to take it on.

Can I edit my loan request after posting?

No. Once a loan request is posted it cannot be edited, because ADS checks every loan request before Finance Providers see it. To change a loan request, delete it and post a new one. You can delete it from My Loan Requests. If something has changed, you can also tell the Finance Provider you are already talking to.

Why can't I see my loan request on the platform?

ADS checks every loan request before Finance Providers can see it. Until then it shows “Being checked by ADS” in My Loan Requests. Once it is live it shows “Live”, and we email you.

Who can I contact on this platform?

Finance Providers on ADS – brokers and lenders. Only the Finance Provider who retains your request receives your contact details. You can also send a request privately to one provider from their profile in Search Finance, where that provider's plan allows it.

How do I get contacted by Finance Providers?

Before taking on your request, a Finance Provider can only ask you questions from a list. When one retains it, they receive your contact details and can message you on ADS, and we email you when they do.

How do I message?

To reply to any message, sign in and open Messages.

Why haven't I received any messages from finance providers?

Not all loan requests can be financed. Try to create new loan request to provide further information including collateral and income evidence.

How can I ensure my loan request receives many responses?

Generally, Finance Providers are looking for loan requests that are well presented and by uploading as much information as possible about the loan request and specifying the details, it has a better chance at getting more responses.

How can I see if anyone has viewed my loan request?

Your Messages page shows, for each loan request, how many Finance Providers have enquired about it and any questions waiting for you.

How do I know if my loan request is activated and visible?

Right after you post, we email you that ADS is checking it. When ADS has checked it, it goes live: it shows “Live” in My Loan Requests and we email you again. Finance Providers can then see it and ask you about it.

Why haven't I heard from anyone yet?

Some loan requests take longer than others. A Finance Provider can contact you only after retaining your request, and many first ask you a few questions, so answer any waiting on your Messages page. A request nobody retains stays live for 120 days.

What is the rate of being contacted, and how do I increase my chances of being contacted?

It depends on the type of loan request – some take longer than others. To improve your chances, include as much information as you can and answer providers' questions promptly.