Fund the next opportunity
Buy stock, prepare for a contract or invest in growth with funding tied to a clear business purpose.
107 reviews 5.0
Small business loans. Back your big plans.
Give your next big idea a clear funding plan. Your broker explores our 80+ lender panel for suitable business loans and guides you through the paperwork.
- Secured and unsecured options
- Funding for stock, growth and cashflow
- A broker who handles the paperwork
What have you got planned?
Let’s help you fund it.
The purpose should be specific, lawful and connected to business activity.
Stock and supplier purchases
Premises fit-out
Contract mobilisation
Marketing with measured return
Eligible debt refinance
Working capital for a defined cycle
What the money is for
A clear small business loans purpose helps explain the requested amount, how long its benefit should last and what proof may be needed.
- Stock
- Fit-out
- Contract
- Refinance
Ways the finance can work
These terms describe how small business loans is accessed, repaid and priced. Not every compared option includes every feature.
- Term loan
- Secured
- Line
- Overdraft
What the lender checks
These details help a lender understand the current position and decide whether the small business loans request fits its rules.
- Turnover
- Cashflow
- Credit
- Security
Have something in mind? Let’s talk finance.
Get my free quoteSmall business loans.
More options. Less legwork.
A confirmed order, busy season or new contract can need money before it brings money in. X Lend helps small businesses choose finance around the opportunity, the amount needed and when the business expects to repay it.
Protect day-to-day cash
Compare repayments against the cash you need for wages, suppliers and normal operations.
Your options in one place
We compare suitable secured, unsecured and flexible facilities across our lender panel.
Why choose X Lend for small business loans?
We compare unsecured and secured business loans, flexible credit finance options and asset finance where the purchase calls for it. You get the options explained together, rather than trying to force every business expense into one type of loan.
Tell us what the funds will achieve, when you need them and how the business trades. We'll identify suitable lenders, help organise the documents and coordinate your application through to settlement.
Less time chasing paperwork
Your broker confirms the documents, prepares the application and follows it through to settlement.
Include it with your enquiry. A clear purchase cost, delivery date and payment schedule helps us present why the funding is needed and how it will be repaid.
Work out your repayments.
Then find your finance.
Try an amount and term for your small business loans. When you’re ready, we’ll compare the options available to you.
Business loan 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 had won a large supply order but needed to pay the manufacturer before receiving payment from its customer.
Unsecured business loan for stock · Brisbane, QLDStock funding unlocked a confirmed wholesale order
Approved on the first lender enquiry and settled for $65,000 at a historical rate of 17.49%, allowing the stock to be ordered immediately and the customer contract to be fulfilled.
- 2 business days 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.
The lender needs evidence of trade, purpose and repayment capacity.
What do I need to qualify for small business loans?
- ABN and trading history within policy
- Cashflow supports the proposed repayment
- Clear business use of funds
- Credit and bank conduct acceptable
- Guarantees and security understood
Who can small business loans help?
- Established businesses funding a defined opportunity
- Operators able to provide current trading evidence
- Owners comparing structure as well as price
When should I consider another option?
- Personal spending presented as a business purpose
- A permanent trading loss with no turnaround plan
- Requests relying on guaranteed approval
Purpose is unclear
The lender cannot connect the amount and term to a credible business use.
Repayment strains cashflow
Historic and forecast cash need enough buffer after all commitments.
Existing arrears are unresolved
Tax, supplier or loan arrears may require explanation and a workable plan.
What do lenders look at for small business loans?
Small business loans can fund stock, contracts, growth and working capital. X Lend compares secured and unsecured loans alongside flexible facilities, matching the funding type to what your business needs and how it will repay it.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for small business loans, 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 stock and supplier purchases.
- 02
We do the lender research
We help organise business bank statements and BAS or financial statements and check ABN and trading history within policy to find lenders that fit your situation.
- 03
Choose your finance
We explain unsecured term loan and secured business loan, 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.
Different cash patterns call for different facilities.
Unsecured term loan
A fixed amount with scheduled repayments and director guarantees where required.
Secured business loan
Eligible property or assets support the facility and increase asset risk.
Revolving credit
A line or overdraft provides reusable access for repeated cashflow gaps.
Compare small business funding by purpose
| Business need | Option to compare | How X Lend helps |
|---|---|---|
| Stock or a confirmed order | A business term loan | Match the funds and repayment schedule to supplier costs and expected receipts. |
| An ongoing cashflow buffer | A line of credit or overdraft | Compare draw access, interest, fees and review conditions against likely use. |
| A vehicle or machine | Business asset finance | Compare financing the asset itself with using the business's working capital. |
| Waiting on business invoices | Invoice finance | Check eligible invoices, customer payments and the net cash released after charges. |
Match the loan length to how long the benefit lasts
Repay short-cycle spending quickly and spread longer-lived investment only across a supportable period.
Leave room for normal business costs
The approved maximum is not automatically the comfortable amount for the business.
What should I have ready before applying?
- Specify the use in dollars.
- Forecast the cash benefit.
- List all current facilities.
How we can help.
Illustrative examples of how we approach small business loans.
Seasonal stock
A retailer orders inventory before peak sales.
How your broker helps
Match funding and repayment to conservative sell-through.
What to have ready
Expected gross margin covers finance and operating cost.
Fit-out
A service business upgrades premises used for several years.
How your broker helps
Compare a term aligned with the useful benefit.
What to have ready
Forecast trade supports repayments during the ramp-up.
Recurring gap
Customer payments regularly arrive after payroll.
How your broker helps
Compare a line or overdraft with a repeated term loan.
What to have ready
Account credits show the balance can revolve.
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 small business loans
Use small business loans for a suitable operating cost, growth opportunity or timing gap.
Assess whether small business loans preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the small business loans facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to small business loans may be missed when funds are not available at the required time.
The cash-flow pressure small business loans is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using small business loans 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
Super helpful, friendly and fast. Secured a bank loan beyond expectations and did all the tricky leg work. Definitely be using their services again. Corey was a legend!
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
small business loans.
Your small business loans questions.
Answered.
The details you want to know before taking the next step.
How much can a small business borrow?
The amount depends on purpose, cashflow, existing debts, trading history, credit and any security.
Do I need property security?
Not always. Unsecured options exist, while secured lending can support different amounts, terms or pricing.
How quickly can funding settle?
Timing varies with lender, facility and documents. A complete application usually moves faster than an incomplete urgent one.
Can a loan refinance business debt?
Potentially. Current payouts, switching costs, new term and security should show a measurable benefit.
Keep exploring your options
Stock finance for a confirmed orderWorking capital across a 90-day invoice gapUnsecured business loansBusiness vehicle financeEquipment financeSecured business loansBusiness lines of creditSecured vs unsecured business loansBusiness lines of credit explainedBusiness finance with a new ABNBusiness loan eligibility checkerBusiness loan calculatorBusiness cashflow calculatorCommercial property LVR calculatorBusiness loan rates
Further readingbusiness.gov.au — applying for a business loanbusiness.gov.au — reducing business loan costs
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026