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 customer earned strong income but had not lodged recent tax returns, preventing a standard self-employed income assessment.
Credit file
Strong score and property ownership with no disclosed adverse credit.
The approach
What X Lend did
X Lend found a lender that could assess the income through an accountant declaration without requiring bank statements and selected a structure with no early-exit fee.
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 $50,000 with no early-exit fee.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Accountant declaration
- Identity documents
- Loan-purpose information