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 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.
Credit file
720 director score with one existing car loan paid perfectly.
The approach
What X Lend did
X Lend found a non-bank commercial vehicle lender prepared to assess the application using one BAS statement and the commercial need for the vehicle.
The application was approved on the first lender enquiry, avoiding unnecessary applications to multiple credit providers.
The result
Settled outcome
Approved on the first lender enquiry and settled for the full amount at a historical rate of 9.4%, with no deposit, before the new contract started.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- One BAS statement
- Vehicle invoice
- Identity and ABN documents