Finance for automotive workshops and mechanics.
Hoists, diagnostic gear, tow trucks and fit-outs — we compare 67+ lenders to kit out your workshop and keep the bays full.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Empty bays don't pay the rent.
A workshop only earns when the bays are full and the gear works — a dead hoist, an outdated scan tool, or a fit-out you can't afford to finish all cost you jobs. X Lend is a finance broker: we compare a panel of 67+ banks and non-bank 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.
From a single hoist or diagnostic unit to a full workshop fit-out or a tow truck, we structure the finance around your cashflow and tax position (chattel mortgage, hire purchase or rental) and get a decision fast — often same day. You stay under the bonnet; we handle the paperwork.
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:
Why workshops use a broker instead of their bank.
One application, the whole market working for you.
67+ lenders, one application
We compare banks and specialist asset lenders in one go to find the sharpest rate on workshop gear.
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, not just generic 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.
Common questions, straight answers.
We're a finance broker: we compare a panel of 67+ banks and non-bank lenders and arrange the finance with the one that best fits your workshop.
Yes. We can arrange finance across the whole fit-out — 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.