VMX Finance Concierge

21/08/2026

For Australian businesses, 2026 has emerged as a year of "triple-threat" financial management: persistent inflationary pressures, a high-interest-rate environment, and an increasingly sophisticated, data-driven Australia...

18/08/2026

Navigating Today’s Property Landscape: What Every Aussie Homebuyer Should Know

10/08/2026

Navigating the Mortgage Landscape with Strategic Insights

Navigating the Mortgage Landscape with Strategic Insights

09/08/2026

Welcome to Smart home Renovation!

Personalised Finance Solutions Your Trusted Advisor!

24/07/2026

https://vmxfc.com/insights/f/best-mortgage-rates-in-melbourne-how-to-compare-offers

Look Beyond the Headline: Why Melbourne Homebuyers Need to Dig Deeper Into Mortgage Rates

08/07/2026

Cash flow is a constant challenge for many small-to-medium businesses. There are many reasons companies run into a cash flow crunch – it could be slow-paying customers or seasonal sales fluctuations. Whatever the cause, a cash flow crunch can be a threat to business growth and survival.

If business cash flow is holding you back, get in touch to discuss the solutions available.

03/07/2026

Is your business prepared for the three-way squeeze?

Late payments between businesses have reached their highest level in six years.

According to CreditorWatch, more businesses are taking longer to pay their suppliers as they hold onto cash. This is often one of the earliest warning signs that financial pressure is building across the market.

Right now, businesses are being squeezed from three directions:

• **Higher interest rates** – increasing the cost of borrowing.
• **Rising operating costs** – inflation, energy prices and wages continue to pressure margins.
• **Softer demand** – making it harder to pass increased costs on to customers.

Add ongoing global uncertainty, supply chain disruptions and fuel price volatility, and many businesses are finding that cash flow is becoming increasingly difficult to manage.

The businesses that perform best in this environment don't wait for problems to appear. They regularly review:

* Accounts receivable and debtor collections
* Customer payment terms
* Supplier payment arrangements
* Working capital and funding facilities

One of the most important principles in commercial finance is this: "The best time to secure access to capital is before you actually need it."

If you're unsure whether your current funding arrangements are still the right fit for today's environment, now is a good time to review your options.

A proactive conversation today can provide flexibility and peace of mind tomorrow.

At VMX Finance Concierge, we help business owners build stronger cash flow, improve access to funding, and prepare for growth before finance becomes urgent. If you'd like to review your current facilities, We'd be happy to have a confidential conversation.

18/06/2026

Financing machinery and equipment from overseas can be complicated.
There’s a large amount of documentation required to finance assets imported from overseas.
Most suppliers and asset finance companies won’t provide finance until the asset is delivered in Australia. This can take several months, creating a large gap between spending the cash to purchase the asset and getting finance.

An unsecured business loan can be used to purchase an asset before it’s delivered. Once the asset arrives, other finance options can be considered.

If you’re considering purchasing an asset from overseas and want to avoid the obstacles of traditional trade finance, an unsecured business loan can be a flexible,
short-term option.

04/06/2026

https://vmxfc.com/insights/f/payday-super-countdown-begins

From 1 July 2026, the transition to Payday Super is going to tighten the leash on business cash flow. By forcing superannuation contributions to be paid within seven business days of every pay run—rather than quarterly—t...

20/05/2026

With interest rates climbing, your offset account is no longer just a "rainy day" fund—it is one of the most effective financial tools at your disposal.