Business Finance
Equipment today, profits tomorrow.
The right gear makes work faster — one application, 67+ lenders, and finance for everything from excavators to espresso machines.
Invest in the gear that pays off.
From excavators to espresso machines, the right equipment makes work easier, faster and more profitable. X Lend is a finance broker: we take one application and compare it across 67+ banks and non-bank lenders so you can fund the gear that grows the business and claim it at tax time.
We arrange finance for new and used equipment, dealer or private sale, and structure it as a chattel mortgage, hire purchase or rental to suit your cashflow and accountant's advice. That keeps your working capital free for wages, stock and the day-to-day.
Because we shop the whole panel, established ABNs can often access low-doc approvals without full financials, and specialised or used gear that a single bank might decline can still find a home. We keep it plain English and only lodge once you're ready.
Why finance equipment with X Lend.
67+ lenders, one application
We compare commercial and asset lenders in one go to match your equipment to the sharpest available rate.
Tax-effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Low-doc to $500K
Established businesses can often finance significant gear without full financials.
New, used and private sales
We arrange finance for used and private-sale equipment, not just dealer purchases.
Protect cashflow
Spread the cost over the asset's working life instead of paying cash up front.
Fast settlement
Many equipment deals settle in 48 to 72 hours so the gear gets earning sooner.
What you can finance.
If it helps your business produce, we can usually finance it. We arrange finance for:
- Excavators, loaders and earthmoving plant
- Manufacturing and processing machinery
- Trade tools and workshop equipment
- Hospitality fit-outs and coffee machines
- Medical, dental and salon equipment
- IT, POS and office technology
- Agricultural and farm machinery
- Solar, refrigeration and HVAC systems
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 place your equipment finance with the best fit.
Yes. Many of our lenders fund used and private-sale equipment. We verify the gear and structure the deal so it settles cleanly.
Often, yes. Established ABNs can frequently access low-doc options up to set limits. We match you to lenders comfortable with your trading history.
It can be. Depending on the structure, you may be able to claim depreciation and the GST on the purchase. We'll explain the options so you can confirm the detail with your accountant.
Many equipment deals get a same-day decision and settle within 48 to 72 hours once documents are in.