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 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.
Credit file
No company credit history; director score above 750.
What X Lend did
X Lend packaged all four vehicles under one fleet facility, supported the requirement with the signed project contract and coordinated the settlements with the dealership.
The four new toyota hilux vehicles on one facility submission was matched to non-bank fleet lender and moved from application to settlement in 5 business days.
Settled outcome
All four vehicles were approved on the first lender enquiry and settled at a historical rate of 8.69%, with no deposit and a 30% balloon to preserve project cashflow.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Evidence supplied
- Business bank statements
- Signed project contract
- Four vehicle invoices
- Company and director documents