Making financial hardship manageable — for every Australian.
Hardship Hub exists because no one should face financial difficulty alone. We connect consumers, creditors, and financial counsellors through a single platform to create better outcomes for everyone.
One platform, three parties.
Hardship Hub is Australia’s national platform for financial hardship management. We help people experiencing financial difficulty by building Temporary Hardship Plans that consolidate multiple debts into a single, affordable payment.
When someone is struggling — whether from job loss, illness, family breakdown, or any other life event — we step in and negotiate directly with their creditors. The platform handles the communication, the HEM-based calculation, and the payment distribution, so our members can focus on getting back on their feet.
We work with banks, utilities, telcos, and BNPL providers across Australia to establish fair and sustainable arrangements that work for both sides.
Empathy
Financial hardship can happen to anyone. We treat every person with dignity and recognise that behind every application is someone going through a difficult time.
Transparency
No hidden fees, no confusing terms, no surprises. We explain what's happening with your plan, your payments, and each creditor response — in plain English.
Simplicity
Dealing with financial hardship is hard enough. Our platform removes complexity at every step so you can focus on recovery, not paperwork.
Led by people who have done this before.
Experienced in financial services, restructuring, and platform development. Leads the mission to make hardship management accessible to every Australian.
Need help right now?
No credit check. Takes about 15 minutes.