Australian Credit Licence (ACL) Applications
Get Your Australian Credit Licence, Guaranteed.
- Expert Guidance for ACL Applications
- 100% Success Rate in Applications
- Tailored Compliance Solutions for Your Business
- Streamlined Process for Quick Approvals
Access our award-winning legal & compliance services to obtain an ACL in record time.
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Get Your Australian Credit Licence, Guaranteed & In Record Time
Australia's Leading ACL Firm
Obtaining an Australian Credit Licence (ACL)
Understanding ACL Applications
An Australian Credit Licence (ACL) is mandatory for businesses providing credit services for personal, domestic, or household purposes, or for residential investment property.
Obtaining an ACL is a complex process requiring detailed documentation and expert navigation.
The Importance of Expert Guidance for a Successful ACL Application
The ACL application process is intricate, with stringent requirements from ASIC.
Expert guidance is crucial to ensure your application is complete, accurate, and addresses all regulatory expectations, maximising your chances of approval and avoiding costly delays.
Why Choose AFSL House for Your ACL Application?
AFSL House provides specialist expertise to simplify and streamline your ACL application.
Our experienced team, led by top-tier lawyers & advisors, offers tailored support, hands-on assistance with documentation, and a proven track record of successful ACL applications, ensuring a smooth and efficient licensing journey.
Get Your Free Initial Consultation
Request a Free Consultation with one of our experienced AFSL Lawyers today.
Our 4-Step Process To Obtain an ACL
At AFSL House, we have developed a streamlined 4-step process to simplify your Australian Credit Licence (ACL) application. Our expert team guides you through each stage, ensuring a clear, efficient, and successful path to obtaining your ACL.
100+
ACL Applications
100%
Success Rate
Step 1: Book Consultation
Your ACL journey begins with a strategic consultation to understand:
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Understand your business model & credit service offerings
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Determine your specific Australian Credit Licence requirements
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Assess your Responsible Manager suitability & experience
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Outline the ACL application process & documentation needed
Step 2: Engagement & Documentation
Once you’re ready to proceed, we formalise our engagement and begin documentation:
- Formalise our service agreement & project plan
- Initiate detailed documentation checklist completion
- Commence gathering key business & personnel information
- Strategically plan your complete ACL application groundwork
Step 3: ACL Application Submission
We expertly prepare and manage your official ACL application submission, including:
- Comprehensive preparation of all required Proof Documents
- Final review & quality check of your complete application
- Lodgement of your application to ASIC for efficient processing
- Dedicated liaison with ASIC throughout the assessment phase
Step 4: ACL Compliance & Ongoing Licence Support
After ACL approval, we offer ongoing support to ensure sustained compliance:
- Guidance on establishing your ongoing compliance framework
- Support for implementing your compliance program for credit services
- Access to resources & updates for continuous compliance
- Continuous improvement & optimisation strategies
Get Your Free Initial Consultation
Request a Free Consultation with one of our experienced AFSL Lawyers today.
Ongoing Support & Resources for Your ACL
Obtaining your ACL is just the beginning. AFSL House provides ongoing support and resources to ensure your program remains effective, compliant, and aligned with evolving regulatory expectations and your business needs.
Ongoing Compliance Guidance
Stay up-to-date with evolving credit regulations. Access expert guidance and proactive updates to maintain continuous compliance.
Compliance Documentation Templates
Streamline compliance administration. Access essential templates, documents, and resources for efficient ACL compliance management.
Responsible Manager Support
Expert support for Responsible Managers. Ensure RM suitability and get ongoing assistance with RM obligations and ASIC requirements.
Expert Advice Hotline
Get your compliance questions answered quickly. Direct access to our expert team for legal and regulatory advice via a dedicated hotline.
Why Choose AFSL House?
Our point of difference is simple: We offer deep expertise, a streamlined process, and dedicated support, ensuring your ACL application is handled efficiently, effectively, and with the highest level of professionalism.
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Deep Industry Understanding
We have an intimate understanding of the issues credit & financial services companies face and how leading businesses in your industry are addressing them.
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Best Practice + Legal Compliance
Our solutions marry best practice processes with legally compliant strategies to ensure your business operates efficiently and effectively.
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Broader Perspective
We apply a different perspective to your challenges, going beyond the narrow focus of traditional law firms or compliance providers to deliver holistic, practical solutions.
Get Your Free Initial Consultation
Request a Free Consultation with one of our experienced AFSL Lawyers today.
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Free & Practical AFSL Guides & Checklists
Free 90-seconds Assessment
Are you complying with your AFSL?
We understand the challenges of complying with your AFSL obligations. That’s why we created this free 90-second assessment.
Quickly check your status and get the insights you need. Take the test now.
2025 Guide to AFSL Applications
A practical guide covering the key steps, milestones & timeframes for obtaining an AFS License.
Your AFSL Roadmap
An illustrative chart with key milestones & steps in applying for an AFSL & ensuring ongoing compliance.
AFSL Compliance Calendar
Comprehensive calendar outlining key compliance deadlines & obligations for AFSL holders throughout the year.
Market-Leading, Comprehensive AFSL & ACL Services
AFSL House offers a comprehensive range of services tailored to meet the needs of financial services companies seeking an Australian Financial Services Licences (AFSL), Australian Credit Licence (ACL) and compliance support.
Get Your Free Initial Consultation
Request a Free Consultation with one of our experienced AFSL Lawyers today.
Insights Library
Practical AFSL Guides & Insights
Unlock free AFSL guides, checklists, and insights in our regularly updated Insights Library, written by our legal experts.
Who We Are
Founded in 2020 by senior financial services lawyer Peter Hagias, AFSL House specialises in regulatory and legal services for AFSL holders. Our expert team serves fintech companies, fund managers, and financial planners both locally and internationally, delivering compliance solutions that withstand regulatory scrutiny.
Under Peter’s leadership as an industry consultant and compliance committee chair, we continue to provide outstanding support to Australia’s financial services sector.
Frequently Asked Questions about ACL Applications
What is an Australian Credit Licence (ACL)?
An ACL is a legal requirement for businesses engaging in credit activities, such as lending or brokering. It ensures compliance with Australia’s credit laws under the National Consumer Credit Protection Act 2009 (Cth).
Do I need an ACL to operate my credit business?
How long does the ACL application process take?
What documents do I need to apply for an ACL?
You’ll need to provide a business summary, background checks for responsible managers, and proof of professional indemnity insurance. These are critical to demonstrate compliance with ASIC’s regulatory requirements.