Avenyou

What Avenyou does

Avenyou is a privately held Australian financial services firm founded in 1986 and headquartered at Level 12, 37 York Street, Sydney, operating through three wholly-owned subsidiaries: Avenyou Accounting & Advisory Pty Ltd (Chartered Accounting services), Avenyou Finance Solutions Pty Ltd (holder of Australian Credit Licence 499341), and Avenyou Asset Finance Pty Ltd. The company delivers a unified portfolio of accounting, tax compliance, and SMSF advisory services alongside mortgage broking, commercial lending, equipment finance, SMSF loans, expat lending, and reverse mortgages — primarily serving individual homebuyers, property investors, SMSF trustees, Australian expatriates, and small-to-medium business owners across Australia.

The underlying technology is non-proprietary: Avenyou relies on AFG (Australian Finance Group) and NFC (National Finance Choice) aggregator platforms for lender connectivity and processing, supplemented by a suite of more than 25 online financial calculators and digital application portals that streamline data transfer and submission. There is no disclosed proprietary technology platform, AI/ML capability, or API offering. Loan application processing is partially offshored to Rocket Financial and Administrative Services Pty Ltd in the Philippines.

Avenyou earns revenue primarily through lender-paid broker commissions calculated as a percentage of loan balances drawn down at settlement (net of offset accounts), supplemented by referral fees paid to professional partners and consumer-disclosed credit assistance fees where a Credit Quote is issued. Accounting and SMSF services generate professional-services fees for compliance, tax returns, and audit preparation. Customer acquisition is relationship-driven — through professional referrals (accountants, financial planners, real estate agents, lawyers), aggregator channels, owned digital content (newsletter, website calculators), and direct phone/field sales — rather than through any self-service digital product.

Name

Avenyou

Legal name

Avenyou Accounting & Advisory Pty Ltd

Website

https://avenyou.net.au

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

Avenyou is a Sydney-based Australian financial services firm operating through three subsidiaries to provide accounting, tax/SMSF advisory, mortgage broking, commercial lending, equipment finance, and specialised lending (expat, SMSF, reverse mortgage) to individual borrowers, property investors, and small businesses nationwide.

Ownership category

akta.pro rank

Product category

Mortgage Broking & Financial Advisory

NAICS

Activities Related to Credit Intermediation (5223), Offices of Certified Public Accountants (541211)

SIC

Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199)

akta.pro primary industry

Lending & Credit Disbursements (FSAMAKAH)

akta.pro secondary industry

Financial Reporting & Technical Accounting Advisory (GAAP/IFRS) (BPAHABAF)

Keywords

• Mortgage broking services
• Commercial lending
• Equipment finance
• Smsf lending
• Chartered accountancy advisory

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Broker commissions from lenders: Avenyou earns commission (brokerage) from lenders based on a percentage of the loan balance drawn down at settlement. Commission is net of offset account balances and may vary by product and lender. These commissions are paid by the lender and are not charged to the consumer.
2. Referral fees from professional partners: Avenyou may pay referral fees to accountants, financial planners, real estate agents, lawyers, call centres, and other professional referrers for introducing clients. These are standard commercial amounts not payable by the consumer.
3. Credit assistance and advisory fees: Fees payable by the consumer may be disclosed in a Credit Quote. Where a Credit Quote is not supplied, no consumer fees are charged. Fee-based charging applies for access or correction of personal information where large expenses are incurred.
4. Accounting and advisory services: Avenyou provides accounting, tax compliance, and advisory services to businesses and individuals, including SMSF establishment and management. Revenue is generated through professional service fees for compliance reporting, annual accounts, tax returns, and audit preparation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Avenyou provides accounting and advisory services alongside finance solutions. The accounting and advisory division delivers Chartered Accountant-led business accounting, taxation compliance, personal accounting, and Self-Managed Super Fund (SMSF) establishment, compliance and audit support. The finance solutions division operates under Australian Credit Licence 499341, broking residential mortgages, business working capital, commercial lending, equipment and asset finance, SMSF loans (LRBA), specialist expat lending, and reverse mortgages, with commission funded by lenders and facilitated through AFG and NFC aggregator panels.

Product overview

Avenyou is an Australian accounting, advisory and finance solutions company operating through three entities: Avenyou Accounting & Advisory Pty Ltd, Avenyou Finance Solutions Pty Ltd (Australian credit licence 499341), and Avenyou Asset Finance Pty Ltd. The company offers a unified portfolio combining accounting/advisory services (Business, SMSF, Personal) with finance solutions (Residential Mortgages, Business Working Capital, Commercial Lending, Equipment Finance, SMSF Loans, Expat Lending, and Reverse Mortgages). Financial calculators are provided as tools to support the lending products. The finance practice operates through aggregators Australian Finance Group (AFG) and National Finance Choice (NFC).

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Home loan and investment property financing services helping individual and family clients find tailored mortgage solutions aligned to long-term plans, sourced via AFG/NFC aggregator lender panels.
• Business Working Capital Working capital financing for SMEs including overdrafts, business loans, invoice financing and short-term funding to support business growth and cash-flow management.
• Commercial Lending Commercial property investment, business acquisition, commercial refinancing and property development financing solutions arranged through Avenyou's lender panel.
• Equipment Finance Asset finance solutions for machinery, vehicles, manufacturing equipment, solar, medical equipment and IT, structured via hire purchase, leasing and chattel mortgage options.
• SMSF Loans Self-Managed Super Fund lending for residential and commercial property investments using Limited Recourse Borrowing Arrangements (LRBA), coordinated with the client's accountant and financial adviser.
• Expat Lending Specialist mortgage financing for Australian expatriates living overseas who are purchasing or investing in Australian property, addressing foreign income assessment, currency risk, FIRB approval and limited bank appetite.
• Reverse Mortgages Retirement financing solutions allowing homeowners to access equity in their property without selling, for purposes including home improvements, debt consolidation and aged care funding.
• Business Accounting & Advisory Chartered Accountant-led accounting services for businesses covering compliance, planning and succession support.
• SMSF Services Self-Managed Super Fund establishment, compliance reporting, annual accounts preparation, tax returns and audit arrangement services for trustees and members.
• Personal Accounting Personal financial planning and taxation services for individuals and families delivered by Avenyou's Chartered Accountants.

Named customers12 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• SuttonsminorStrategic or Co-development PartnerAvenyou has partnered with Suttons (vehicle dealership/finance group) to provide seamless business vehicle leasing and financing. Suttons provides access to vehicles from 20 manufacturers across cars and trucks, including customisation services. Avenyou consolidates financing and management through a single monthly bill. The partnership targets small businesses needing vehicle fleet purchases or custom vehicle fit-outs.
• Rocket Financial and Administrative Services Pty LtdminorOthersAn offshore processing team engaged by Avenyou Finance and Avenyou Asset Finance for loan application processing, based in the Philippines. Avenyou states it takes reasonable steps to ensure this team complies with the same privacy standards as Avenyou itself.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Loan Market Group: Large Australian mortgage broker aggregator and retail brand with a national network of brokers. Closely comparable business model to Avenyou's broking operations via aggregator relationships and commission revenue.
• Mortgage Choice: One of Australia's largest mortgage broker franchises, accredited under similar aggregator models and competing directly with Avenyou in residential and investment lending. Highly comparable on customer segment (home buyers, investors) and commission-based revenue model.
• Aussie Home Loans: Major Australian retail mortgage broker (now owned by Lendi Group) offering home loans, refinancing, and personal loans through a branch and broker network. Direct competitor on core residential lending products with overlapping customer segments.

Emerging players

• Lendi: Digital-first Australian mortgage broker formed via the merger of Aussie and Lendi. Represents the technology-enabled evolution of the mortgage broking industry that Avenyou's relationship-led model competes against.

Broad incumbents

• Connective Home Loans: Major Australian mortgage broker aggregator providing lender panel access, similar to AFG/NFC for Avenyou. Comparable as an aggregator-tier competitor and channel partner in the Australian broking ecosystem.
• H&R Block: Large Australian tax preparation and accounting services franchise. Competes with Avenyou's Accounting & Advisory division on personal tax and SMSF compliance, with broader service breadth and brand recognition.
• Pitcher Partners: Mid-market Australian accounting and advisory firm offering business advisory, tax, and SMSF services. Comparable on the Chartered Accountant-led advisory side of Avenyou's business, with broader scale and corporate client base.
• William Buck: Australian accounting and advisory network serving SMEs and high-net-worth individuals. Overlaps with Avenyou's accounting/advisory and SMSF services, particularly on tax compliance and succession planning.

Others

• Australian Finance Group (AFG): Avenyou's primary aggregator partner and one of Australia's largest broker aggregators. Listed here because AFG's commercial terms and lender panel directly shape Avenyou's economics, and brokers within AFG compete indirectly via shared lender products.

Regional players

• BlueRock: Australian accounting, advisory, and wealth advisory firm offering business advisory, tax, and SMSF services. Comparable to Avenyou's accounting & advisory division on integrated professional services for SMEs and business owners.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/avenyou/about/?viewAsMember=true
• Facebookfacebook.com/Avenyou-102622101346699

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Avenyou