One facility, the whole fleet.
Cars, utes and trucks under a single master limit — one application, 80+ lenders, and streamlined approvals as the fleet grows.
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Finance the whole fleet under one facility.
Financing vehicles one deal at a time gets slow and messy once you're running a fleet — different lenders, different terms and a fresh application every time you add a unit. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to set up a fleet facility that funds multiple vehicles under one arrangement.
Whether it's a mixed fleet of cars, utes and light trucks or a growing pool of work vehicles, we arrange a master limit so you can add units without starting from scratch each time. Each vehicle can still be structured as a chattel mortgage or lease, so you manage GST and depreciation and keep working capital free.
Because we compare the whole panel, we can size a facility to how your business operates and match low-doc options to established ABNs. We explain the structure in plain English, flag what affects your rate, and only lodge once you're ready to proceed.
Why finance your fleet with X Lend.
80+ lenders, one application
We compare banks and specialist commercial lenders in one go to structure the right fleet facility.
One master limit
Pre-approve a total facility and draw against it as you add vehicles, without starting over each time.
Mixed fleets welcome
Cars, utes, vans and trucks can sit under one arrangement, sized to how the business runs.
Streamlined approvals
Adding a unit under an existing limit is faster than lodging a brand-new application each time.
Tax-effective structures
Each vehicle can be a chattel mortgage or lease, structured around your GST and depreciation position.
Low-doc options
Established ABNs can often set up a facility without full financials, keeping the process fast.
What you can finance.
If it runs multiple vehicles, we can usually structure a facility. We arrange fleet finance for:
- Mixed fleets of cars, utes and trucks
- Delivery and courier van fleets
- Trade and service vehicle pools
- Passenger and executive pool cars
- Staged fleet rollouts and expansions
- New, used and ex-fleet vehicles
- Master-limit facilities for growing businesses
- Refinancing and consolidating existing fleet finance
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your fleet finance with the best fit for your business.
A master limit is a pre-approved total facility you draw against as you add vehicles. It means each new unit can settle faster without a full re-application, which suits a growing or changing fleet.
Often, yes. We can structure a facility that covers a mixed fleet, with each vehicle set up as a chattel mortgage or lease to suit your position.
Frequently, yes. Established ABNs can often set up a facility without full financials. We match you to lenders comfortable with your trading history and fleet size.
Once a facility is approved, adding vehicles is quick — many draws settle within 48 to 72 hours once documents are in.