Complaints
Something not right? Tell us
We'd much rather hear about a problem than have you put up with it. Here's how to raise a complaint, in three simple steps.
Step 1: get in touch
Call us on 03 9072 0200 during business hours, or send us a message through our contact page with "Complaint" at the start. You can also write to us at 412 St Kilda Rd, Melbourne VIC 3004.
Please include your name, the best way to reach you, what happened, and what you'd like us to do to put it right.
Step 2: we acknowledge and look into it
A real person will acknowledge your complaint, look into what happened and talk to anyone involved. If we need more information, we'll ask. We'll keep you updated if it takes longer than expected.
Step 3: we respond and fix what we can
We'll explain what we found and what we'll do about it. If we got something wrong, we'll say so and tell you how we'll fix it.
Privacy complaints
If your complaint is about how your personal information has been handled, please mark it "Privacy request". If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner at oaic.gov.au. Our privacy policy has more detail.
Complaints about a lender
If your complaint is about a loan provided by a lender we introduced you to, let us know as well. We'll help you raise it with the right people, and the lender's own complaints process will apply.
123 Business Finance is operated by U Collective Group Pty Ltd, trading as 123 Business Finance. Last updated 2 October 2026.