Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 18 August 2026 · About Corey →
The challenge
What needed to be solved
The practice had only traded for eight months and needed several equipment items together, before a conventional two-year business history existed.
Credit file
810 director score and property ownership.
The approach
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 application was approved on the first lender enquiry, avoiding unnecessary applications to multiple credit providers.
The result
Settled outcome
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.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Single supplier invoice itemising all assets
- Practice lease
- Cashflow forecast
- Professional qualifications
- Business bank statements