Business cashflow
finance, simplified
Access unsecured business loans from $5,000 to $2,000,000. Our AI-powered platform matches you with the right lender in minutes — not days.
Why choose KREDO 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.
Our Lender Partners
We work with Australia's leading lenders to bring you the best unsecured business financing options tailored to your needs.
VHM partners with trusted lenders who share our commitment to supporting Australian businesses. Each lender has been carefully selected based on their competitive rates, flexibility, and customer service. Whether you're a startup or an established business, our network ensures you get matched with the right lending partner for your unique needs.
Industry Memberships
VHM Asset Finance are members of the following associations, ensuring compliance, credibility, and commitment to industry best practices.
Australian Financial Complaints Authority
Community and Franchise Business Association
Business and Finance Network
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.