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.
Up to $500K
Unsecured, no collateral
Within 2 hours*
Typical lender response
Within 24 hours*
Typical funding, unsecured
*Indicative timeframes published by lenders on our partner’s panel, as at July 2026. Not a measurement of Avoir’s own performance. Subject to individual lender assessment and eligibility criteria.
Best fit: $10K+ monthly revenue · 12+ months trading · Active ABN · Loans from $10K
After you submit:a broker calls within 2 hours — often from a mobile or private number, so please pick up. They’ll send a 30-second privacy form to e-sign, then ask for your last 6 months of business bank statements. Have those ready and you could have quotes today.
Process
How it works
Three steps. Two hours. One specialist.
Tell us what you need
Two minutes. No paperwork. A soft credit check that leaves your commercial credit rating untouched.
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 — often from a mobile or private number, so keep your phone handy. You e-sign a quick privacy form, share 6 months of bank statements, and get real offers.
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. Built 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
Avoir
Lenders accessible through our partner's accredited network
Logos identify lenders accessible through our broker partner's accreditation panel. Display does not imply sponsorship, endorsement, or affiliation. Lender participation and criteria change without notice.
Transparency
We're paid by the lender. Here's exactly how.
Avoir is a trading name of Commercial Finance Group Pty Ltd, ABN 26 868 387 626. Avoir is not a lender.
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 weigh cash flow over your credit score
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 shut out. If your revenue is consistent and you have 12+ months trading behind you, we can point you at the right lender.
See eligibility requirements →Construction & Trades
Progress claims, retention, and plant on tight schedules
Hospitality & Cafés
Fit-outs, refrigeration, and weekly cash cycles
Retail & E-commerce
Stock cycles, seasonal peaks, and marketplace settlement lag
Professional Services
Payroll timing and work-in-progress
Transport & Logistics
Prime movers, trailers, and the gap between invoice and payment
Healthcare & Wellness
Practice equipment, imaging, and fit-out finance
Repayment estimator
What will my loan cost?
Indicative only. Rate ranges reflect the published range across our partner’s lender panel and are not an offer. Actual rates depend on the lender, the asset, and your business profile.
Borrowing power estimate
How much could your business borrow?
Answer three questions for an instant estimate. No hard credit enquiry, 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
Resources
Tools & guides
Repayment calculator
Estimate your monthly repayments instantly
Interest rates (updated monthly)
RBA-sourced business lending averages
Instant asset write-off 2026-27
The $20,000 threshold explained, with calculator
Unsecured business loans
No collateral. Cash-flow based. Up to $500K.
Am I eligible to apply?
What lenders look for in 2026
Eligibility
Check if you're eligible to apply
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?
Not a perfect one. Our lending partners weight cash flow, trading history, and revenue more heavily than banks do, and plenty of approvals happen with imperfect files. But be aware of the real floors: consistent monthly revenue of $10,000 or more matters more than your score, and recent dishonours on repayments to other lenders will close doors that a low score alone would not.
How much can I borrow?
Between $10,000 and $500,000, depending on the lender. Unsecured facility sizes are generally set as a proportion of monthly revenue, and the multiple varies by lender and by industry. Meeting the published criteria makes a business eligible to apply; the facility size is set by the lender.
Is Avoir a lender?
No. Avoir connects your enquiry to lending partners from our network who make their own independent credit decisions. We are not a lender, credit licensee, or broker.
Is there a cost to apply?
No. Avoir is free for the business enquiring. We are paid a share of the commission the lender pays when a referred facility settles. It comes out of the lender's margin, not your rate, and it does not determine which lender we refer you to. Full detail is on our How we make money page.
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 the last 6 months of business bank statements, plus an active ABN or ACN. No tax returns or formal financial statements are needed for an unsecured facility at the application stage. For secured facilities, company tax returns, financial statements, and director personal tax returns may also be requested.
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?
Avoir works with businesses trading 12 months or more. Individual lender minimums vary and are set by the lender, not by us.
What happens after I apply?
A specialist from our lending network calls you within 2 hours — often from a mobile or private number, so please answer. They will text or email a privacy consent form to e-sign (it takes about 30 seconds, and nothing can move without it), then ask for your last 6 months of business bank statements. Once those are in, they walk you through tailored rates and terms — usually the same day. There is no obligation to proceed.