Unlock idle value
Convert equity held in property or business assets into cash you can put to work today.
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Business equity release for growth.
Explore what your equity could do for your business. Your broker searches our 80+ lender panel and explains suitable funding, costs and security requirements.
- Equity-backed business funding
- Growth, purchases and working capital
- Clear costs and security requirements
What have you got planned?
Let’s help you fund it.
Released equity is flexible business capital. Businesses use it to fund:
Funding growth and expansion
A large stock or inventory purchase
Bridging a cashflow gap
Seizing a time sensitive opportunity
Investing in plant and equipment
Consolidating or refinancing business debt
Covering tax and BAS obligations
Injecting working capital for a project
What the funding can be used for
The purpose and timing of the business equity release requirement help determine the amount, repayment period and facility type that may fit.
- working capital
- equipment purchase
- business expansion
- refinance
- tax obligations
- investment in operations
How the finance can be structured
These terms describe how business equity release can be accessed and repaid. We explain which features apply to each compared option.
- property equity
- asset equity
- registered security
- term loan
- interest-only period
- principal and interest
Documents that show the business can repay it
These records connect recent trading and existing commitments with the cash expected to meet the business equity release repayments.
- valuation
- current payout
- ownership documents
- financial statements
- BAS
- bank statements
- purpose budget
Have something in mind? Let’s talk finance.
Get my free quoteBusiness equity release.
More options. Less legwork.
You've built up real value, in a commercial property, in your premises, in plant and equipment, but it's sitting there doing nothing for today's opportunities. Business equity release converts that trapped value into usable cash for business purposes. X Lend is a finance broker: we take one application and compare it across 80+ banks, nonbank lenders and private funders to structure a release that fits.
80+ lenders and private funders
We compare banks, nonbank lenders and private funders to find the right release structure.
Keep the asset working
Release a portion of the equity and keep trading, the asset stays yours and in use.
Why choose X Lend for business equity release?
Business equity release uses available value in property or business assets to support growth, stock or cash flow while the asset continues serving the business. The asset, requested amount and timeframe shape the structure we compare across the panel.
This is business-purpose funding arranged for genuine business use. Personal and consumer needs sit outside this service. We explain the available release, structure and costs in plain English and submit only when you are ready.
Flexible use of funds
Growth, stock, cashflow or seizing an opportunity, deploy the released cash where it counts.
Structured to the asset
The release is shaped around what you're securing, the amount and the timeframe you need.
Business purpose, done right
Arranged strictly for genuine business use, with the structure and costs spelled out upfront.
This page covers business-purpose equity release using property or business assets. Consumer home-equity and reverse-mortgage products sit outside this service. We explain a realistic release range after reviewing the assets and complete proposal.
Work out your repayments.
Then find your finance.
Try an amount and term for your business equity release. When you’re ready, we’ll compare the options available to you.
Business equity release repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The business owned its workshop with substantial equity, but the existing bank would not release funds for replacement hoists, repairs, upgrades and additional working capital after a difficult trading period.
Business equity release · Western Sydney, NSWWorkshop equity released after the existing bank declined
Approved on the first lender enquiry and settled at a historical rate of 8.65%. The existing loan was refinanced and $150,000 released for the workshop and cash buffer.
- 3 weeks turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for business equity release. Your broker helps you prepare the application.
What do lenders look at for business equity release?
A business equity release assessment connects the business purpose and timing with recent trading, existing commitments and a credible repayment source. The sections below show the structures and records relevant to that decision.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for business equity release, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include funding growth and expansion.
- 02
We do the lender research
We help organise valuation and current payout and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange business equity release, with a broker to explain your options.
Releasing equity can improve liquidity, but it increases obligations against an asset already owned. The use of funds and repayment path should be clear before proceeding.
Borrowing capacity uses more than available equity
Valuation and lender margins establish a ceiling; cash flow and credit assessment still determine whether the debt is supportable.
Purpose should produce a clear benefit
Quantify the amount and expected benefit for working capital, expansion or equipment needs.
Existing lenders may have priority
Current payouts and registered security interests affect how a new facility can be structured.
The asset becomes exposed
Failure to meet obligations may put the secured asset at risk, so downside scenarios matter.
How to match repayments to business cash flow
Available equity is one part of the proposal. Lenders also assess ability to make the repayments, existing security, the funding purpose and the customer's complete commitments.
A week-by-week business equity release forecast can place wages, supplier bills, tax, expected receipts and the proposed repayment on one timeline. This exposes the peak cash requirement and its expected repayment source.
When contracts and recent trading records help
For business equity release, signed contracts, customer orders, aged receivables and payment schedules can show the amount and timing of expected revenue. Heavy reliance on one customer may need further explanation.
Recent bank statements, BAS, internal accounts and accountant information can support a business equity release assessment when the latest annual financial statements no longer reflect current trading.
What should I have ready before applying?
- Obtain current payout information.
- Document the use and expected benefit of funds.
- Stress-test the repayment against weaker trading.
- Understand all security and guarantee obligations.
How we can help.
Illustrative examples of how we approach business equity release.
Equipment purchase using property equity
The business wants to fund productive equipment through existing property equity.
How your broker helps
We compare a property-backed structure with asset finance using term, security and total-cost figures.
What to have ready
Property details, equipment quote, financials and forecast.
Release from a debt-free business asset
The business owns an eligible asset and seeks liquidity for operations.
How your broker helps
We confirm ownership, value and productive use, then compare lenders that accept the asset type as security.
What to have ready
Invoice, serial details, valuation, PPSR and bank statements.
Refinance and additional working capital
The customer wants one transaction to replace an existing finance option and release extra funds.
How your broker helps
We combine the payout and new purpose in one sources-and-uses schedule.
What to have ready
Payout letter, security details, cash-flow forecast and current accounts.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With business equity release
Use business equity release for a suitable operating cost, growth opportunity or timing gap.
Assess whether business equity release preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the business equity release facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to business equity release may be missed when funds are not available at the required time.
The cash-flow pressure business equity release is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using business equity release can leave less capacity to absorb an unexpected expense or slow month.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
business equity release.
Your business equity release questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks, nonbank lenders and private funders and place your equity release with the best fit.
Is this a consumer home equity or reverse mortgage?
This service covers business-purpose equity release using property or business assets for genuine business use. Consumer home loans and reverse mortgages fall outside its scope.
What can I release equity against?
Typically commercial or residential property you own, or business assets such as plant and equipment. We match what you're offering to the lenders and funders who value it.
How much equity can I release?
That depends on the asset's value, any existing debt against it and your business position. Because we compare 80+ lenders and private funders, we'll give you a realistic figure before you apply.
What can the funds be used for?
Any genuine business purpose, growth, stock, cashflow, equipment or an opportunity. The facility is arranged on the basis that it's for business use.
What brands, models or purposes can business equity release cover?
Common examples include working capital, equipment purchase, business expansion, refinance, tax obligations, investment in operations. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support business equity release?
A lender may ask for valuation, current payout, ownership documents, financial statements, BAS, bank statements. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex business equity release application?
For business equity release, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
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Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — apply for a business loan
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026