Business cashflow finance, simplified
Access unsecured business loans from $5,000 to $500,000. Our AI-powered platform matches you with the right lender in minutes — not days.
Why choose VHM for business finance?
We combine expert financial advice with cutting-edge AI technology to deliver faster, smarter lending outcomes.
Instant ABN Verification
Enter your ABN and we auto-populate your business details from the Australian Business Register in real time.
Same-Day Decisions
Our AI matches your profile against our lender panel and submits to the best-fit lender — often with same-day approval.
Secure & Compliant
Bank-grade encryption, privacy consent workflows, and full compliance with Australian lending regulations.
Panel of Lenders
Access multiple unsecured lenders through a single application. We find the best match for your business.
Real-Time Tracking
Track your application status in real time from submission through to approval and funding.
Fully Digital Process
No paperwork, no branch visits. Complete your entire application online from any device.
How it works
From application to funding in four simple steps.
Enter Your ABN
We auto-verify your business details and pre-populate your application.
Complete Application
Provide director details, funding requirements, and link your bank statements.
AI Lender Matching
Our engine matches your profile to the best lender on our panel and submits automatically.
Get Funded
Receive your approval and funds — often within the same business day.
Funding for every business need
Business Expansion
Fund growth initiatives, new locations, or equipment purchases.
Debt Consolidation
Simplify multiple debts into one manageable repayment.
Tax Payments
Cover ATO obligations without disrupting your cashflow.
Cashflow Assistance
Bridge gaps between receivables and payables.
Inventory & Stock
Purchase inventory to meet seasonal demand.
Other Purposes
Flexible funding for any legitimate business need.
Am I eligible?
Basic requirements to get started.