Business finance
Finance built forbusiness momentum.
Compare suitable business finance options across 80+ lenders with one experienced team.
Get your quoteOur business finance options
Select an option below to learn more, or if you already know what the business needs, get started now.
Equipment finance
Fund machinery, technology and income producing equipment.
Business vehicle finance
Compare finance for eligible work vehicles and fleets.
Truck finance
Explore finance for light trucks, heavy vehicles and trailers.
Ute finance
Finance a work ute, including eligible fitout costs.
Fleet finance
Structure finance for multiple vehicles under one business.
Machinery finance
Fund eligible plant and machinery for business use.
Unsecured business loans
Access eligible business funding without asset security.
Secured business loans
Compare lending supported by eligible business security.
Cashflow finance
Smooth timing gaps between business income and expenses.
Line of credit
Access a reusable facility for eligible working capital needs.
Invoice finance
Unlock eligible funds tied up in unpaid customer invoices.
Acquisition finance
Explore funding to purchase an eligible business or asset.
Compare with the full picture.
- One applicationTell us what the business needs once. We use those details to assess suitable options across our lender panel.
- Options matched to the businessWe consider trading history, cashflow, the purpose, the asset and lender criteria before recommending a path.
- Clear costs before you chooseWe explain the proposed rate, fees, repayments and structure so you can make an informed decision.
- One contact through settlementYour X Lend contact manages the process, keeps you updated and stays available after settlement.
- Access to a broad lender panelWe compare suitable options across more than 80 banks and specialist lenders.
- No obligation to proceedReview the available option and ask questions before deciding whether it suits the business.
Before you decide
What the right funding can unlock
Business finance should be judged against the opportunity it supports and the operational cost of waiting too long to act.
Pros
- Secure the vehicles, equipment or working capital needed to take on suitable contracts and serve customers.
- Preserve cash for wages, materials, tax and other day to day operating costs.
- Replace unreliable assets before breakdowns create larger repair bills or project delays.
Cons
- The business may be unable to service suitable contracts without the right vehicles, machinery or equipment.
- Older equipment can keep breaking down when there is not enough cash available to replace it outright.
- Using cash to fund a major purchase can reduce the buffer available for payroll, materials and unexpected costs.
Questions answered
Business finance questions
Clear answers before you decide how to fund the next move.
A bank can only show you its own products and lending criteria. X Lend compares suitable options across a broad panel of banks and specialist lenders, then explains the costs and structure before you decide.
Lender requirements vary. Some prefer established trading history, while others may consider newer businesses supported by industry experience, a deposit or a strong asset. We match the application to suitable lender criteria.
Low doc options may be available for eligible businesses and assets. The right path depends on your trading history, the finance amount, the asset and the lender's requirements.
Straightforward applications can receive a decision quickly, but timing depends on the lender, the amount, the security and the documents required. We keep you updated from application through settlement.
Directors are commonly asked to guarantee small business lending, particularly unsecured facilities. We explain any proposed guarantee and other security requirements before you choose to proceed.
