Business Finance
Acquisition finance to buy your next move.
Buy a business, a competitor or a book of clients — one application, 67+ lenders, and funding structured around the deal.
Fund the deal that grows your business overnight.
Buying an existing business, a competitor, a franchise or a book of clients can do in one move what years of organic growth can't. But these deals rarely fit a standard loan. X Lend is a finance broker: we take one application and compare it across 67+ banks and non-bank lenders to structure finance around the acquisition and its cashflow.
Whether you're a first-time buyer, an established operator bolting on a competitor, or a professional firm acquiring a client book, we match the deal to lenders who understand it. That can mean blending business loans, asset finance and property security to get the structure — and the price — right.
Acquisitions are time-sensitive and detail-heavy, so we move quickly, keep the moving parts clear, and only lodge once the numbers stack up. We tell you upfront what's realistic so you can negotiate the purchase with confidence.
Why arrange acquisition finance with X Lend.
Structured around the deal
We blend the right facilities — business loan, asset and property — to fit the acquisition, not a template.
67+ lenders, one application
We compare banks and specialist lenders in one go to find appetite for your specific deal.
Lenders who get acquisitions
Goodwill, earn-outs and vendor terms are normal to us — we present your deal to lenders comfortable with them.
Move at deal speed
Acquisitions run to a timetable; we keep the finance moving so you don't lose the opportunity.
Use the target's cashflow
Well-structured deals can be serviced largely by the business you're buying.
Clear, upfront guidance
We tell you what's fundable before you commit, so you negotiate from a position of strength.
What you can fund.
If you're buying your way to growth, we can usually structure it. Common deals include:
- Buying an existing business outright
- Acquiring a competitor or bolt-on
- Management buy-ins and buy-outs
- Purchasing a franchise or new territory
- Buying a book of clients or contracts
- Partner and shareholder buy-outs
- Acquiring premises alongside the business
- Funding earn-outs and vendor terms
Approved in three simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Apply
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
Approved
We take your deal to the lenders most likely to say yes, negotiate the rate, and bring you a clear recommendation. No guesswork.
- 03
Funded
We handle the paperwork and settlement. The money lands in your account or with the seller — you just sign.
Common questions, straight answers.
We're a finance broker: we compare 67+ banks and non-bank lenders and structure your acquisition finance with the best fit.
Sometimes. Strong, profitable targets can be funded partly on their own cashflow and goodwill, though property security usually unlocks a better rate. We'll show you the trade-offs.
Yes — that's often the point. A well-structured acquisition is serviced largely by the earnings of the target. We model this with you and present it to the right lenders.
It varies by deal, lender and security, but expect to contribute some equity. We'll tell you a realistic figure early so you can plan the purchase.
More involved than a simple loan, but we move fast and keep it organised. Timeframes depend on due diligence and security, and we manage the lender end so you can focus on the deal.