Settled Client Outcomes
A deeper look into some of our previous settlements
Thirty-three anonymised outcomes from applications X Lend arranged and took through to settlement. Open a card for the short version, or read the full case study for the complete structure and result.
33 settled outcomesOne lender enquiry per outcomePersonal and business financeCustomer names withheld
Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 24 August 2026 · About Corey →
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33 outcomes
Equipment Finance$65,000 settledSeveral café suppliers combined into one equipment facilityThe business needed equipment from several suppliers while retaining enough cash to cover wages, opening stock and the other costs of launching a second venue.View result →
Personal Finance$64,000 settledA 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.View result →
Equipment Finance$33,000 settledA used CNC plasma cutter replaced outsourced workshop jobsThe fabricator wanted to bring smaller cutting jobs in-house, but the selected machine was used and specialised, requiring more asset evidence than standard equipment.View result →
Business Lending$150,000 settledWorkshop equity released after the existing bank declinedThe 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.View result →
Personal Finance$44,000 settledSeveral high-rate debts consolidated into one repaymentSeveral high-rate debts and maxed credit cards were consuming the customer's monthly cashflow, making it difficult to reduce principal or rebuild savings.View result →
Equipment Finance$70,000 settledA complete dental equipment package for a new practiceThe practice had only traded for eight months and needed several equipment items together, before a conventional two-year business history existed.View result →
Personal Finance$42,000 settledUrgent restorative dental treatment funded in three daysThe customer required extensive restorative dental treatment after an accident and did not have $42,000 available to pay the providers upfront.View result →
Business Lending$60,000 limit settledA revolving facility funded materials before progress paymentsThe business needed to buy materials at the start of each commercial project but did not receive progress payments until later stages.View result →
Business Vehicles$68,000 settledA Ford Ranger funded before the first full year of tradingThe contractor had not reached 12 months in business and did not have a complete financial year of tax returns, but needed the ute before a new contract began.View result →Business Vehicles$174,000 settledFour Hilux vehicles for a company only one month oldThe business had won a major project and needed four vehicles before contract cashflow began. The new company entity was only one month old and had no established business credit.View result →
Personal Finance$35,000 settledAn EV approval with a 380 score and an unpaid defaultThe customer was two weeks into a new full-time job and had not received a first payslip. They also had an unpaid $3,000 trade-related default, no previous finance history and a severely affected credit score.View result →
Personal Finance$23,000 settledA Harley loan supported by employer-paid living expensesThe customer's income appeared low under a standard assessment, even though the employer paid for accommodation, food and fuel.View result →Personal Finance$30,000 settledA pre-booked holiday preserved after savings were redirectedThe customer had already booked flights and accommodation when unforeseen expenses required the travel savings to be used elsewhere.View result →
Personal Finance$32,000 settledUrgent bathroom repairs funded one day after approvalAfter using their savings for a home deposit, the customer discovered failed bathroom waterproofing that required urgent work and had no remaining cash buffer for the repair.View result →
Business Vehicles$96,000 settledA private-sale Isuzu tipper brought subcontracted work in-houseThe relatively new company wanted to stop paying subcontractors for every tipper job, but the truck was a private sale and the business had a limited financial history.View result →
Equipment Finance$105,000 settledA John Deere tractor structured around the harvest cycleThe farm earned income seasonally, so a standard flat monthly repayment did not match when revenue was received after harvest.View result →Business Vehicles$310,000 settledA Kenworth moved from rent-to-own into proper ownershipAn earlier default had left the operator with rent-to-own as the only available structure. After the credit file recovered, the expensive arrangement no longer reflected the company's conduct or position.View result →
Equipment Finance$65,000 settledA replacement excavator kept a major civil job movingThe existing excavator failed during a major job and the available replacement was a used private-sale machine that needed to settle quickly.View result →
Business Lending$90,000 limit settledA debtor facility kept 25 casual workers paid on timeThe company paid 25 casual workers each week while major customers took between 30 and 60 days to pay approved invoices.View result →Personal Finance$16,000 settledA planned medical procedure funded over three yearsThe customer had decided to proceed with a medical procedure but did not have the full treatment cost available upfront.View result →Business Vehicles$118,000 settledA director vehicle assessed on company strength, not salary aloneThe director's personal taxable income appeared low because earnings were retained in the company and paid through distributions, making a salary-only assessment unrepresentative.View result →Personal Finance$39,000 settledA new LDV D90 after only two months in a casual roleThe customer had only been in a casual PAYG role for two months. Their partner was not working, they had two dependent children and they had no previous PAYG employment history to demonstrate continuity.View result →Personal Finance$50,000 settledA personal loan assessed using an accountant declarationThe customer earned strong income but had not lodged recent tax returns, preventing a standard self-employed income assessment.View result →
Business Lending$180,000 settledA plumbing competitor acquired with specialist business financeThe purchase included both tangible vehicles and equipment and intangible value from the customer book and existing local-government maintenance contracts.View result →
Personal Finance$42,000 settledA secured boat loan for a customer in remote Northern TerritoryThe customer had been delayed by another broker for four weeks and was being directed toward a higher-cost unsecured personal loan because the Northern Territory does not issue the same boat registration documents used elsewhere.View result →
Business Lending$220,000 settledThree weekly business loans replaced with one monthly repaymentThe business carried three short-term loans with high weekly repayments and also needed additional funds to refurbish its existing office.View result →
Personal Finance$73,000 settledA private-sale caravan financed at a single-digit rateThe customer had been unable to find a lender offering a single-digit rate for a private-sale caravan transaction.View result →
Equipment Finance$26,000 settledA failed forklift replaced through a fast-document pathwayThe existing forklift failed suddenly and the business needed a replacement immediately to keep loading its delivery trucks.View result →Business Vehicles$52,000 settledA Toyota HiAce funded against a new delivery contractThe new courier business had won a delivery contract and needed a larger van, but had no completed financial statements and only seven months of trading history.View result →Business Lending$65,000 settledStock funding unlocked a confirmed wholesale orderThe business had won a large supply order but needed to pay the manufacturer before receiving payment from its customer.View result →Equipment Finance$45,000 settledA complete used gym package funded before the new venue openedThe business was moving into a larger location and needed a complete equipment package without using all available savings. The director also had an older paid telecommunications default.View result →Personal Finance$24,000 settledA used Mitsubishi Pajero with no established credit fileThe 22-year-old customer had no established credit file and their bank statements showed seven dishonours. The vehicle was also being purchased through a private sale.View result →
Business Lending$75,000 settledWorking capital bridged wages and materials during slow paymentsSeveral profitable commercial projects were active, but wages and materials had to be paid while the business waited up to 90 days for customer invoices.View result →