Business Finance
A line of credit that's there when you need it.
Draw what you need, pay interest only on what you use — one application, 67+ lenders, and a buffer that flexes with the business.
A flexible buffer for a business that doesn't stand still.
Some months you're flush, some months you're funding stock and waiting on debtors. A line of credit gives you a pre-approved limit you can dip into whenever you need, then repay as the cash comes back. X Lend is a finance broker: we take one application and compare it across 67+ banks and non-bank lenders to set up the right facility.
Unlike a term loan, you only pay interest on what you actually draw — so the facility can sit ready at no cost until the day you need it. Draw down for a stock run or a quiet month, repay when the invoices land, and the limit refreshes for next time.
We match the limit and structure to how your business trades, whether it's secured against assets or a smaller unsecured line for working capital. We keep the costs plain English and only lodge once you're ready.
Why arrange a line of credit with X Lend.
Pay interest only on what you use
The limit sits ready; you're only charged on the funds you actually draw down.
Revolving by design
Draw, repay and draw again as you trade — the limit refreshes without reapplying each time.
67+ lenders, one application
We compare banks and specialist lenders in one go to set the right limit at the right price.
Secured or unsecured
Back it with assets for a larger limit, or keep a smaller unsecured line for everyday flexibility.
Ready before you need it
Set the facility up in calmer times so the buffer is there the moment cashflow tightens.
Transparent costs
We explain the rate, limit and any line fees upfront so there are no surprises.
What you can use it for.
A line of credit is the all-rounder of business finance. It's commonly used to:
- Bridge gaps while you wait on debtors
- Fund stock and inventory runs
- Cover payroll and tax in quiet months
- Take advantage of supplier discounts
- Smooth seasonal peaks and troughs
- Handle unexpected costs and repairs
- Fund a short-term growth push
- Keep a standing buffer for peace of mind
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 line of credit with the best fit.
Generally no — interest applies only to the funds you draw. Some facilities carry a small line or facility fee to keep the limit open, which we'll spell out upfront.
A term loan gives you a lump sum repaid over a set period. A line of credit is revolving — you draw and repay flexibly up to a limit, paying interest only on the balance you're using.
Both are available on our panel. Securing the facility against assets typically unlocks a larger limit and a sharper rate; an unsecured line trades some of that for flexibility.
Limits depend on your turnover, trading history and any security offered. We'll give you a realistic figure before you apply.