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 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.
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 unsecured personal-purpose funding submission was matched to non-bank personal-loan lender and moved from application to settlement in 4 business days, including accountant confirmation.
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.
Evidence supplied
- Accountant declaration
- Identity documents
- Loan-purpose information