Finance Solutions

At Avenyou our finance solutions practice has been specifically designed around our client’s needs. You’ll benefit from the clarity, consistency and measured advice we provide; and from our team’s knowledge and experience in specialised lending. We are known for growth focused solutions that serve our clients long-term goals.

 

Whether you need residential or investment property finance, working capital for your growing business or funding to invest in equipment and assets, our team of specialists are genuinely interested in your future goals, and will identify the finance solution that will serve you best. Our expertise in specialised forms of finance such as expat lending and commercial lending, asset finance, SMSF lending and reverse mortgages has helped clients overcome challenges and find solutions that meet their needs.  
We are proud to have been awarded recognition for excellence in 2019 by AFG. 

Avenyou Finance Solutions Pty Ltd ACL 499341


Mortgage

Choosing a mortgage for an investment property or home should be about identifying the most appropriate option that will support your long-term plans, while providing the immediate satisfaction of keys to your new property. 

There are so many options available it can be tempting to simply pursue the lowest rate. However, our experienced team have the wisdom and insight to look to the longer term, with tailored and balanced solutions that help you avoid later disappointment should circumstance change.

Specialised Lending

Many of our clients come to us with unique financial situations. Our team at Avenyou specialises in areas of finance where the solution is neither simple nor obvious.

For example: Australian expats living and working abroad can find obtaining property finance difficult because their choice of lender lacks understanding of the complexities of the expat lending environment.

Commercial Lending

To get the best outcome from a commercial property investment, you’ll need specialised advice. Our finance team has considerable depth of experience in this sector, and relationships with major lenders as well as access to funding from second tier and private lenders. 

We’ll work closely with you to determine the most suitable product and loan structure aligned to your specific business needs and wealth creation strategy.

Business Lending

Working capital is a crucial aspect of any business plan providing the ability to manage cash-flow cycles or make investments in the business to maintain a competitive edge or drive growth. Access to adequate working capital can at times be the difference between business success or failure.

Equipment / Asset Finance

When you need to invest in equipment, machinery or vehicles for your business, or to release cash from the value of assets you already own, asset finance is the answer. This is a specialist facility that can apply to almost anything your business needs, and with a wide range of lender options in the market, experienced advice is crucial to making the best decision for your business. 

Our team can advise on asset finance including investment in machinery, vehicles, manufacturing equipment, solar, medical equipment and IT. 

Mortgage

Choosing a mortgage for an investment property or home should be about identifying the most appropriate option that will support your long-term plans, while providing the immediate satisfaction of keys to your new property. 

There are so many options available it can be tempting to simply pursue the lowest rate. However, our experienced team have the wisdom and insight to look to the longer term, with tailored and balanced solutions that help you avoid later disappointment should circumstance change.

Specialised Lending 

Many of our clients come to us with unique financial situations. Our team at Avenyou specialises in areas of finance where the solution is neither simple nor obvious.

For example: Australian expats living and working abroad can find obtaining property finance difficult because their choice of lender lacks understanding of the complexities of the expat lending environment. A senior living in a home that holds much of her wealth would like to use some of this asset to live a better retirement without compromising her estate plan. Parents may want to help with a first home purchase for their children while protecting their own assets. Because our priority to is understand what matters most to you, the solutions we deliver are clear, balanced and work for the long-term.

SMSF lending

Lending within a SMSF is considered to be one of the most complex forms of lending in the market. It is highly regulated and requires specialist advice from accountants, financial advisors and finance brokers to ensure proposed structures and solutions are correct. SMSF lending can be an ideal option when purchasing a commercial or residential property as an investment or for business premises. Avenyou’s finance solutions team will provide the advice and expertise you need to get the best possible outcome.

Expat lending

Arranging finance when you’re living and working abroad can sometimes be challenging. This is often due to existing lender’s lack of understanding of the complexities of the expat lending environment and can result in less than favourable lending terms and borrowing capacity. Our team will provide the specialist advice you need. We take into account all relevant factors such as foreign exchange rates, country of residence and available equity in property to develop a comprehensive wealth management solution tailored for Australian expats.

Reverse mortgages

A personally rewarding retirement means something different to each individual. What’s clear however is the difference that financial flexibility and independence can make. If much of your wealth is tied up in your home, a reverse mortgage can enable you to use some of that wealth to live more comfortably, without having to sell your home. Whether you want to make home improvements, consolidate debt, pay for medical procedures, upgrade your car, assist with in-home care, aged care deposit bond or spend more time traveling – the reverse mortgage can provide a better retirement.

Commercial Lending

To get the best outcome from a commercial property investment, you’ll need specialised advice. Our finance team has considerable depth of experience in this sector, and relationships with major lenders as well as access to funding from second tier and private lenders. We’ll work closely with you to determine the most suitable product and loan structure aligned to your specific business needs and wealth creation strategy. We can source funding for a range of commercial purposes including:

 
 
  • Commercial property for investment or owner occupied
  • Business acquisition
  • Refinance existing commercial loans
  • Property development

Business Lending

Working capital is a crucial aspect of any business plan providing the ability to manage cash-flow cycles or make investments in the business to maintain a competitive edge or drive growth. Access to adequate working capital can at times be the difference between business success or failure. Lending solutions can either be secured or unsecured, and can include the following forms:

  • Overdraft: to fund timing differences in a business’ cashflow
  • Business loan: to purchase assets, fit-our premises, refinance existing debts or fund future projects
  • Short term funding: to relive short-term commitments such as tax debt or outstanding creditors Terms are usually 30 days to 12 months
  • Invoice financing: to fund growth in a business via lending against outstanding invoices, obtaining immediate access to funds
  • Inventory finance: to fund the purchase of stock for sale.

Assessment criteria for these facilities are all very different. Our team understands what’s required and will work closely with you to deliver the finance solution that’s right for your business.

Equipment / Assets Finance

When you need to invest in equipment, machinery or vehicles for your business, or to release cash from the value of assets you already own, asset finance is the answer. This is a specialist facility that can apply to almost anything your business needs, and with a wide range of lender options in the market, experienced advice is crucial to making the best decision for your business. Our team can advise on asset finance including investment in machinery, vehicles, manufacturing equipment, solar, medical equipment and IT.

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