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 existing excavator failed during a major job and the available replacement was a used private-sale machine that needed to settle quickly.
Credit file
640 director score with no defaults.
The approach
What X Lend did
X Lend found an equipment lender that accepted the private sale and assessed the value of the contractor's current signed civil projects.
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 at a historical rate of 9.95%, quickly enough to keep the active project running.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Business bank statements
- BAS
- Signed civil contracts
- Private-sale machine documents