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X Lend

A deeper look into some of our previous settlements

Thirty-three anonymised outcomes from applications X Lend arranged and took through to settlement. View the settlement details for a summary, or read the full case study for the complete structure and result.

  • 33 settled outcomes
  • One lender enquiry per outcome
  • Personal and business finance
  • Customer names withheld
Corey Marino

Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker

Last reviewed 24 August 2026 · About Corey

Find a situation like yours.

Showing 6 of 33 outcomes.

Illustrative scene: An Australian neighbourhood cafe getting ready to open a second location: commercial espresso machine on counter, under-counter refrigeration, compact commercial oven visible through serving hatch, stacked simple cafe chairs. Not the actual customer or their asset.

Several café suppliers combined into one equipment facility

The business needed equipment from several suppliers while retaining enough cash to cover wages, opening stock and the other costs of launching a second venue.

Amount settled
$65,000
Turnaround
1 week
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The challenge

The business needed equipment from several suppliers while retaining enough cash to cover wages, opening stock and the other costs of launching a second venue.

What X Lend did

X Lend combined the supplier invoices into one commercial facility and coordinated direct payment to each supplier from the settlement.

The result

Approved on the first lender enquiry and settled at a historical rate of 9.25%. Every supplier was paid and the second café opened without draining operating cash.

Finance
Hospitality equipment finance
Location
Melbourne, VIC
Term
60 months
Lender
Commercial equipment lender
Illustrative scene: Close environmental still life inside an Australian home: a set of everyday car keys, calculator and two folded unbranded finance documents on a timber table, through a large window a circa-2020 ordinary car parked outside in soft focus. Not the actual customer or their asset.

A dealership car loan refinanced from 10.5% to 7.8%

The customer had accepted dealership finance at 10.5% through a dealership with only one available lender. The existing loan also carried a $15 monthly account fee.

Amount settled
$64,000
Turnaround
3 days
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The challenge

The customer had accepted dealership finance at 10.5% through a dealership with only one available lender. The existing loan also carried a $15 monthly account fee.

What X Lend did

X Lend compared the remaining 49-month term and arranged a like-for-like refinance with a non-bank lender offering a lower rate, no monthly account fee and no exit fee.

The result

Approved on the first lender enquiry and settled at a historical rate of 7.8%, down from 10.5%, while removing the monthly account fee and future exit fee.

Finance
Car loan refinance
Location
Sydney, NSW
Term
49 months remaining
Lender
Non-bank lender
Illustrative scene: A used CNC PLASMA CUTTING TABLE in an Australian metal fabrication workshop, flat steel plate on open slatted bed, gantry cutting head making a small bright plasma cut with a few sparks, extraction visible. Not the actual customer or their asset.

A used CNC plasma cutter replaced outsourced workshop jobs

The fabricator wanted to bring smaller cutting jobs in-house, but the selected machine was used and specialised, requiring more asset evidence than standard equipment.

Amount settled
$33,000
Turnaround
4 business days
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The challenge

The fabricator wanted to bring smaller cutting jobs in-house, but the selected machine was used and specialised, requiring more asset evidence than standard equipment.

What X Lend did

X Lend found a commercial equipment lender that accepted the used machine after reviewing its condition, value and service history.

The result

Approved on the first lender enquiry and settled at a historical rate of 11.1%. The machine was installed and smaller cutting jobs moved in-house.

Finance
Manufacturing equipment finance
Location
Dandenong, VIC
Term
36 months
Lender
Commercial equipment lender
Illustrative scene: An owner-operated Australian automotive repair workshop with two vehicle hoists, one newly installed lift raising an ordinary car, a mechanic checking tools beside it, older functional bays behind. Not the actual customer or their asset.

Workshop equity released after the existing bank declined

The business owned its workshop with substantial equity, but the existing bank would not release funds for replacement hoists, repairs, upgrades and additional working capital after a difficult trading period.

Amount settled
$150,000
Turnaround
3 weeks
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The challenge

The business owned its workshop with substantial equity, but the existing bank would not release funds for replacement hoists, repairs, upgrades and additional working capital after a difficult trading period.

What X Lend did

X Lend arranged a commercial property refinance with a non-bank lender and released the required equity as part of the new facility.

The result

Approved on the first lender enquiry and settled at a historical rate of 8.65%. The existing loan was refinanced and $150,000 released for the workshop and cash buffer.

Finance
Business equity release
Location
Western Sydney, NSW
Term
60 months
Lender
Non-bank commercial property lender
Illustrative scene: An Australian roof plumber in practical navy work shirt sitting at a kitchen table, arranging three unbranded credit-card and personal-loan envelopes into a single tidy folder, calculator and plain bank cards nearby. Not the actual customer or their asset.

Several high-rate debts consolidated into one repayment

Several high-rate debts and maxed credit cards were consuming the customer's monthly cashflow, making it difficult to reduce principal or rebuild savings.

Amount settled
$44,000
Turnaround
3 days
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The challenge

Several high-rate debts and maxed credit cards were consuming the customer's monthly cashflow, making it difficult to reduce principal or rebuild savings.

What X Lend did

X Lend arranged one personal-loan facility to pay out the existing accounts and replace multiple repayments with a single scheduled payment.

The result

Approved on the first lender enquiry and settled, reducing the average interest rate by about half and materially improving monthly cashflow.

Finance
Debt consolidation
Location
Regional NSW
Term
60 months
Lender
Personal-loan lender
Illustrative scene: A modest newly equipped Australian dental practice with exactly two refurbished dental chairs in adjacent treatment bays, an intraoral scanner on a wheeled stand and a stainless steriliser visible on the side bench. Not the actual customer or their asset.

A complete dental equipment package for a new practice

The practice had only traded for eight months and needed several equipment items together, before a conventional two-year business history existed.

Amount settled
$70,000
Turnaround
7 business days
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The challenge

The practice had only traded for eight months and needed several equipment items together, before a conventional two-year business history existed.

What X Lend did

X Lend used a specialist lender that considered the dentist's qualifications, prior experience, practice lease, forecast, existing revenue and established client base.

The result

The complete equipment package was approved on the first lender enquiry and settled at a historical rate of 11.2%, with one facility and one supplier payment.

Finance
Dental equipment finance
Location
Gold Coast, QLD
Term
60 months
Lender
Specialist healthcare equipment lender

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