How Avoir matches businesses to lenders

What we are

Avoir is a referral platform. We do not lend, we do not price, and we do not make credit decisions. We collect a short set of business details, assess them against the published criteria of the lenders on our panel, and introduce eligible applicants to the lender best matched to the asset or the cash flow need. The lender assesses the application and sets the terms.

Avoir is a trading name of Commercial Finance Group Pty Ltd (ABN 26 868 387 626).

How we assess eligibility

We work across two broad products. Meeting the criteria below makes a business eligible to apply. It does not mean an application will be approved.

Our criterion is not the lenders' criterion.Avoir works with businesses trading 12 months or more. That is our own referral criterion, not a lender requirement. Lenders on our partner's panel set their own minimums, and some are lower. Meeting our criterion makes a business eligible to apply. It does not mean an application will be approved.

*Subject to lender credit criteria.

What lenders actually assess goes further than the table. Expect them to weigh revenue consistency, serviceability against existing commitments, the business's ATO position, and the credit file of the business and its directors. For asset finance, the lender also assesses the asset itself, its type, its age, and the strength of its resale market, because the asset is the security.

A soft credit check may be used to pre-assess an enquiry. A soft check does not affect your commercial credit rating. A hard enquiry is only made by a lender, with your consent, if you proceed to a full application.

Where our rate figures come from

Any indicative rate published on this site is a range observed across our lending panel and is not an offer. Rate ranges are refreshed quarterly and each carries the date it was last verified. Where we quote an economy-wide figure, we cite the RBA or ABS series and link it. See Data Sources.

How the Australian Business Lending Index is compiled

The Australian Business Lending Index (ABLI) is in development. When published, it will be compiled quarterly from three inputs:

• Aggregate public data. The RBA business lending rate series, ABS business counts and business conditions, and ASIC insolvency statistics.
• Avoir's own first-party application data. Application volume, requested amounts by industry, and time from application to lender decision.
• Suppression. Any cell built on fewer than 30 applications is suppressed rather than published. No individual business is identifiable in anything we release.

The suppression threshold is a hard rule, not a guideline: cells with fewer than 30 applications are not published, even where the underlying trend looks clear. A smaller sample is not a smaller claim. It is no claim.

How our lender panel is selected

Lenders are admitted on the basis of product fit, settlement speed, and credit appetite for the industries we serve: transport, civil, and construction in particular. Commission rates are not a criterion for admission, and we do not rank or order lenders by what they pay us.

The panel is not whole-of-market. There are lenders in Australia we do not work with, and there may be a better offer available elsewhere. You are free to approach other lenders directly, and you should compare. How we are paid is set out in full at How We Make Money.

What we don't do

• No credit advice.
• No personalised recommendation as to whether a business should borrow.
• No hard credit enquiry to explore your options. Enquiring uses a soft check only, which does not affect your credit rating.