New Business Loans
Business loans for new Australian businesses
Options available from 12 months trading. You do not need years of history to access fast business finance.
Apply now
2 minutes · Soft check only · Free
Overview
Why loans businesses choose Avoir
Traditional banks require 2+ years of trading history, financial statements, and extensive documentation. For new businesses that have been operating for 6–12 months, this is not an option. Specialist non-bank lenders in our network assess new businesses based on recent bank statements and current cash flow rather than years of trading history — making fast finance accessible much earlier in your business journey.
Key features
From 12 months trading
Avoir works with businesses trading 12 months or more. Individual lender minimums vary and are set by the lender, not by us.
Bank statement assessment
Lenders assess your recent bank statements rather than requiring annual financials or tax returns you may not have yet.
Same-day decisions
Most new business applications receive a decision the same business day.
No collateral required
Unsecured finance for new businesses — no property or asset security needed.
Eligibility
Am I eligible to apply?
Here is what Avoir looks for. We work with businesses trading 12 months or more; individual lender minimums vary and are set by the lender, not by us. Meeting our criteria makes a business eligible to apply. It does not mean an application will be approved.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →How new can my business be?
Avoir works with businesses trading 12 months or more. Individual lender minimums vary and are set by the lender, not by us. Pre-revenue businesses are not eligible.
What revenue do I need as a new business?
Most lenders require consistent monthly deposits. Revenue of $10,000 per month is the typical minimum.
Do I need a business plan to apply?
No. Lenders assess based on your actual trading data (bank statements) rather than projections or business plans.
How much can a new business borrow?
Typically less than established businesses. New businesses can usually access 1–2 months of their monthly revenue unsecured. Amounts from $10,000–$150,000 are common.
Ready to apply?
Find out what your new business can access
Two-minute application. Soft credit check only — no impact on your score. A specialist will be in touch within two hours.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION