diff --git a/src/main/java/io/ebean/config/properties/Loader.java b/src/main/java/io/ebean/config/properties/Loader.java
index c65242339..1bbda9184 100644
--- a/src/main/java/io/ebean/config/properties/Loader.java
+++ b/src/main/java/io/ebean/config/properties/Loader.java
@@ -97,6 +97,8 @@ class Loader {
       if (fileName != null) {
         loadWithExtensionCheck(fileName);
       }
+    } else {
+        loadWithExtensionCheck(fileName);
     }
   }