Finance, explained properly.
No jargon, no fluff — the guides we'd want to read before signing anything. Written by X Lend and reviewed by our founder.
Car finance
Balloon Payments Explained
What a balloon payment is, how it lowers your car loan repayments, what it really costs, and your end-of-term options — payout, refinance or trade in.
Read the guide →Dealer Finance vs a Finance Broker: What's the Difference?
Dealer finance vs a finance broker: how each works, where the cost can hide, and when each makes sense — so you can compare before signing at the dealership.
Read the guide →Equipment finance
Chattel Mortgage Explained
Chattel mortgage explained: how this business asset loan works, why you own the asset from day one, terms and balloons, and how it compares with leasing.
Read the guide →Low-Doc Equipment Finance Requirements
What low-doc equipment finance really requires: ABN age, GST, credit conduct and asset checks — plus which documents you skip and which you still need.
Read the guide →Business finance
Secured vs Unsecured Business Loans
Secured vs unsecured business loans compared: how security changes rate, speed and borrowing power, what personal guarantees mean, and which fits your scenario.
Read the guide →Business Line of Credit Explained
How a business line of credit works: draw and repay as needed, pay interest only on what you use, plus how it compares to term loans and invoice finance.
Read the guide →