Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 24 August 2026 · About Corey
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.
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 2026 ford ranger wildtrak submission was matched to non-bank commercial vehicle lender and moved from application to settlement in 2 business days.
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.
Evidence supplied
- One BAS statement
- Vehicle invoice
- Identity and ABN documents