Virginia Graham is Co Founder & Director of youbusinessloans, a division of Model Mortgages Pty Ltd as well as Model Mortgages Pty Ltd, and is a qualified financial planner. She is consulted by the Austereo MMM radio network on interest rates and has appeared on Channel Seven news and current affairs programs as well as the Channel 9 Today show. Virginia previously worked for ANZ Bank’s Treasury department as an interest rate dealer and for stockbroking firm Salomon Smith Barney. She has a bachelor of commerce majoring in finance, banking and business economics. A year ago, after noticing that technology had seemingly not progressed within the banking & finance industry at the rate of other industries and feeling we might be left behind, Virginia decided to build her own online loan processing system & document upload platform which successfully revolutionised her home loan business, now all her top lending experts could help way more customers faster, and even better all the customers loved the new faster system. As she was building technology, she integrated it with other tools for her business and noticed how much tools for small business cost and how a few tech hacks she had created saved her small business(rapidly growing to a medium size) so much money and effort. Then she started sharing these tips on social media and youtube and grew a small following of like minded small business professionals. So now she shares her tips here on her business blog and created business loans for small businesses that grow rapidly. "Its not for brand new start ups, it's more for businesses that have been going for at least 6 months and have their funnels/sales process in place and are already working but need cash to smooth out cashflows or for scaling growth."

"Helping other small businesses grow, some even into medium businesses is really rewarding'"