Fit out the venue, keep the float.
Commercial kitchens, coffee machines, cool rooms and full fit-outs — one application, 80+ lenders, and hospitality finance that opens the doors without emptying the till.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Set up to serve, not to scrape by.
A cafe or restaurant lives on its equipment — the kitchen, the machine, the cool room — but a fit-out shouldn't swallow every dollar before you've served a single cover. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders so you can kit out the venue and keep a float for stock, staff and the quiet first weeks.
We arrange finance for commercial kitchens, espresso and coffee machines, ovens and cooktops, cool rooms and refrigeration, dishwashers, bar and front-of-house gear, and complete venue fit-outs — new or used, single items or the whole build. We structure it as a chattel mortgage, hire purchase or rental to suit your GST, depreciation and accountant's advice.
Because we shop the whole panel, we can bundle equipment with the fit-out into one facility, place used and ex-venue gear that a single bank might pass on, and match low-doc options to how your venue trades. We keep it plain English and only lodge once you're ready.
Why finance hospitality equipment with X Lend.
80+ lenders, one application
We compare commercial and asset lenders in one go to match your gear to the sharpest available rate.
Equipment and fit-out together
We can bundle kitchen, refrigeration and the venue fit-out into a single facility.
New, used and ex-venue
We arrange finance for used and ex-venue equipment, not just new dealer purchases.
Low-doc options
Established venues can often finance significant equipment without full financials.
Tax-effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Fast settlement
Many hospitality deals settle in 48 to 72 hours so the venue opens sooner.
What you can finance.
If it helps you serve, we can usually finance it. We arrange finance for:
- Commercial kitchens, ovens and cooktops
- Espresso and automatic coffee machines
- Cool rooms, freezers and refrigeration
- Dishwashers and glasswashers
- Bar, tap and beverage systems
- Front-of-house, POS and ordering technology
- Furniture, joinery and venue fit-outs
- Used and ex-venue equipment
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 hospitality equipment finance with the best fit for your venue.
Often, yes. We can bundle kitchen, refrigeration and the venue fit-out into a single facility, so you manage one repayment rather than several.
Usually, yes. Many of our lenders fund used and ex-venue gear. We match the equipment's age and type to lenders comfortable funding it.
Often, yes. Established ABNs can frequently access low-doc options on trading history. For newer venues we match you to lenders most comfortable with your situation.
Many hospitality deals get a same-day decision and settle within 48 to 72 hours once documents are in.