Business finance
Capital for your business.
Found fast.
Up to $500K, unsecured. No collateral, no property, no weeks of waiting. Apply in minutes and a specialist will be in touch within two hours.
$0
Maximum loan
0 hrs*
Average decision
0 hrs*
Funds transferred
*Indicative timeframes only. Subject to individual lender assessment and eligibility criteria.
Process
How it works
Three steps. Two hours. One specialist.
Tell us what you need
Two minutes. No paperwork, no credit check. Just tell us what you need and why.
We match you to lenders
Your profile goes to the lenders most likely to say yes for your specific situation.
Get your options
A lending specialist calls you within two hours with real offers tailored to your business.
Money in your account
Accept the offer that suits you. Most businesses have funds within 24 hours.
Your options
Which loan suits your business?
Unsecured Business Loans
Up to $500K with no collateral required. For businesses with 12+ months trading history. Fast approval based on your cash flow, not your assets.
Working Capital
Bridge cash flow gaps and keep operations moving. Facilities from 3 to 60 months for businesses managing uneven revenue cycles.
Fast Business Loans
Same-day decisions for businesses that cannot wait. Apply before 2pm and receive a decision the same business day.
Why Avoir
Not your bank's business loan
Your bank will ask for two years of financials, want property as security, and take three weeks to say no. Avoir connects your business to specialist lenders who make decisions in hours, based on how your business is performing right now.
Traditional bank
SME approval rate
~50%
Avoir
Non-bank approval rate
~78%
Funded
$80,000
“Got $80,000 approved in under three hours. Saved our cash flow during a slow month and we were back trading at full capacity within a week.”
Michael T.
Funded
$45,000
“The process was far simpler than I expected. Applied in the morning, had an offer by lunch, and funds in our account the next day.”
Sarah K.
Funded
$120,000
“Compared three lenders in one application. Ended up with a much better rate and term than I would have found on my own.”
James R.
Find your situation
What does your business need right now?
Every business situation is different. Find the right starting point for yours.
I have bad credit
Lenders who assess cash flow, not just credit scores
I am a sole trader
ABN-based lending, no company required
I need funds today
Same-day decisions, funds within 24 hours
I have no property
Unsecured loans based on cash flow only
I have minimal paperwork
Bank statements only, no tax returns needed
I need working capital
Bridge cash flow gaps fast
I am a tradie
Fast finance built for trade businesses
I want to estimate costs
Free repayment calculator
Industries
Every Australian industry, covered
Our lending network specialises in Australian SMEs across every sector. No industry is excluded — if your business has consistent revenue and 12+ months trading, we can help.
See eligibility requirements →Repayment estimator
What will my loan cost?
Indicative only. Actual repayments depend on the lender, your business profile, and final loan terms.
Borrowing power estimate
How much could your business borrow?
Answer three questions for an instant estimate. No credit check, no personal details required.
What is your annual revenue?
How long have you been trading?
Any current credit defaults?
By location
Business loans across Australia
Research · Q2 2026
Australian Business Lending Index
Quarterly data on SME lending rates, approval times, and business finance trends across Australia. Average unsecured rate: 17.35% p.a. Average loan: $85,000.
View the full report →Eligibility
Check if you qualify
How long have you been trading?
What is your monthly revenue?
Any current defaults?
FAQ
Common questions
What is an unsecured business loan?
An unsecured business loan is business finance that does not require you to put up assets as collateral. Approval is based on your cash flow, trading history, and business profile rather than property or equipment you own.
How fast can I get funded?
Most applicants receive a lending decision within 2 business hours. Once approved, funds are typically transferred within 24 hours. Some lenders offer same-day funding for applications submitted before 2pm on business days.
Do I need a good credit score?
No. Our lending partners assess your full business profile — cash flow, trading history, and revenue — not just your credit score. Many businesses with imperfect credit history still qualify.
How much can I borrow?
Between $10,000 and $500,000 in unsecured business finance, depending on your revenue and trading history. Most lenders cap unsecured lending at 1 to 3 months of annual turnover.
Is Avoir a lender?
No. Avoir is a lead generation service. We match your enquiry to lending partners from our network who make their own independent credit decisions. We are not a credit licensee or broker.
Is there a cost to apply?
No. Avoir is completely free for borrowers. We are paid a fee by our lending partners when a successful match is made. This fee does not affect your loan terms.
Can a sole trader apply?
Yes. Australian sole traders with an active ABN and at least 12 months trading history are eligible to apply. You do not need to operate as a Pty Ltd company.
What documents do I need?
Most lenders in our network require only 3 to 6 months of business bank statements. No tax returns or formal financial statements are needed at the application stage.
Do I need to put up property as security?
No. Unsecured loans require no property or asset collateral. A personal guarantee from the primary director is standard but no physical assets are pledged.
What industries do you cover?
All Australian industries are eligible — construction, trades, hospitality, retail, professional services, healthcare, transport, e-commerce, agriculture, and more.
How long does my business need to have been trading?
Most lenders require a minimum of 12 months trading history.
What happens after I apply?
A specialist from our lending network contacts you within 2 hours with tailored options. They will walk you through available rates and terms. There is no obligation to proceed.