Author
James Baker
Founder, Avoir
Background
James Baker is the founder of Avoir. He works in commercial finance with a focus on asset and equipment finance for Australian transport, civil, and construction businesses — the industries where getting the right facility, fast, is often the difference between winning a contract and missing it.
Why Avoir exists
Most Australian small businesses meet the same wall at the bank: two years of financials, property as security, and weeks of waiting for a decision that too often ends in no. Avoir exists to close the gap between a business that is genuinely fundable today and the specialist non-bank lenders who will actually fund it.
Avoir is deliberately a referral platform, not a lender. It does not price, and it does not make credit decisions. What it does is assess a business against the published criteria of a panel of lenders and make the right introduction — transparently, and without ranking lenders by what they pay. How that works is set out in full in our Methodology and How We Make Money.
Editorial responsibility
James is the named human accountable for the research and guides published on this site. Content is drafted with AI assistance and then reviewed, fact-checked, and edited by him before it goes live — the position is set out in our Editorial Policy.
Contact
Reach James at james@avoir.com.au. To report an error in anything published here, see our Corrections Policy.