Finance the plant that makes the product.
CNC, presses, production lines and industrial plant — one application, 80+ lenders, and machinery finance that keeps the factory running and the cash working.
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Buy capacity, not a cashflow hole.
Production machinery is the asset that turns raw material into revenue, and it shouldn't tie up the capital you need to buy stock, hold inventory and meet payroll. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to fund the plant and keep your working capital producing.
We arrange finance for CNC machines, lathes and mills, presses, injection moulders, packaging and processing lines, and general industrial plant — new, used or imported, single machines or a full line upgrade. 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 place specialised and used machinery that a single bank might decline, work with import and progress-payment timelines, and match low-doc options to how your business actually trades. We keep it plain English and only lodge once you're ready.
Why finance machinery with X Lend.
80+ lenders, one application
We compare commercial and asset lenders in one go to match your plant to the sharpest available rate.
Specialised and used plant
We place used, imported and niche machinery with lenders comfortable funding it, rather than an automatic decline.
Low-doc to $500K
Established manufacturers can often finance significant plant without full financials.
Import and progress payments
We can structure facilities around import timelines and staged payments for machines built to order.
Tax-effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Fast settlement
Many plant deals settle in 48 to 72 hours so the machine is producing sooner.
What you can finance.
If it makes, shapes or packs your product, we can usually finance it. We arrange finance for:
- CNC machines, lathes and mills
- Presses, brakes and metal-forming plant
- Injection moulders and plastics machinery
- Packaging, filling and labelling lines
- Processing and production lines
- Woodworking and joinery machinery
- Used, ex-plant and imported machines
- Compressors, generators and ancillary plant
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 machinery finance with the best fit for your business.
Usually, yes. Many of our lenders fund used, ex-plant and imported machines. We match the machine's age, type and origin to lenders comfortable funding it.
Often, yes. For machines built or shipped to order, we can arrange facilities that align with staged and progress payments. We'll explain how the timing works before you commit.
Often, yes. Established ABNs can frequently access low-doc options up to set limits on trading history alone. We match you to lenders comfortable with your industry.
Many machinery deals get a same-day decision and settle within 48 to 72 hours once documents are in.