80+ lenders, one application
We compare banks and specialist asset lenders in one go to find the sharpest rate on workshop gear.
Industries
Automotive & Mechanical Finance
Hoists, diagnostic gear, tow trucks and fitouts, we compare 80+ lenders to kit out your workshop and keep the bays full.
Get your quoteEmpty bays don't pay the rent.
Fitting out a new workshop or adding a bay? Established ABNs can often finance equipment with low doc, no full financials, and many deals settle within days.
A workshop only earns when the bays are full and the gear works, a dead hoist, an outdated scan tool, or a fitout you can't afford to finish all cost you jobs. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance so you can kit out and grow without tying up your cash.
Banks treat every small workshop the same and move slowly. We match your situation, including low doc and ABN only options, to lenders who understand automotive businesses: specialised equipment, steady bookings, and the cashflow swings of a trade that bills as it fixes.
What workshops and mechanics finance with us.
Most workshop and vehicle costs can be financed, freeing your cash for parts and wages. The common ones:
Equipment Finance
Hoists, wheel aligners, diagnostic scanners, compressors and tooling, the gear that keeps the bays turning.
Vehicle Finance
Tow trucks, courtesy cars and service vehicles, new, used, dealer or private, built for your business.
Truck Finance
Tilt trays, tow trucks and recovery vehicles to add a mobile or roadside arm to your workshop.
Unsecured Business Loans
Working capital for a fitout, a second site or a stock up on parts, no property security.
Cashflow Finance
Cover parts, wages and tax through the gap between doing the work and getting paid for it.
Lines of Credit
A standing buffer you draw on for parts runs and quiet weeks, interest only on what you use.
Why workshops use a broker instead of their bank.
One application, the whole market working for you.
Low doc and ABN only
Established ABNs can often finance equipment without full financials, quick and light on paperwork.
Same day decisions
Get the hoist or scan tool in this week, many workshop deals settle in 24 to 72 hours.
They know specialised gear
We match you to lenders comfortable funding trade-specific equipment across the full range of workshop assets.
Tax effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
You stay on the tools
We handle the lender, the paperwork and the settlement so you can keep the bays moving.
Before you decide
Weigh the opportunity against the cost of waiting
The right comparison considers what finance could make possible and what delaying the asset or funding may cost the business operationally.
Pros
- Access suitable vehicles and equipment when finance for automotive workshops and mechanics. opportunities arise.
- Preserve working capital for wages, materials, tax and other operating expenses.
- Replace unreliable assets sooner and reduce avoidable downtime across jobs.
Cons
- Suitable finance for automotive workshops and mechanics. contracts may be missed when the required vehicles or equipment are not available.
- Older equipment can keep breaking down when there is not enough cash to replace it outright.
- Paying the full purchase price from cash can leave less buffer for payroll, materials and unexpected costs.
Questions answered
Industry finance questions
Clear answers before you decide what to apply for.
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance with the one that best fits your workshop.
Yes. We can arrange finance across the whole fitout, hoists, tooling, compressors and diagnostic gear, often under one facility structured around your cashflow.
Often, yes. Established ABNs can frequently access low doc finance for workshop equipment and vehicles without full financials. We match you to lenders comfortable with your trading history.
Yes. We arrange finance for used and private sale equipment and vehicles, handling the checks so the deal settles cleanly.
Getting an indicative quote doesn't touch your credit file. A formal application involves a credit check, but we only lodge once you're happy to proceed.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.
Genuine settled outcomes