Industries
Finance for builders and trades who can't wait on the bank.
Win the job, get the gear, keep the cash — we compare 67+ lenders to fund the utes, tools and machinery your site runs on.
Tools down means money lost.
In the trades the work doesn't wait — the ute dies, a job needs an excavator next week, or you've won a contract that needs gear you don't yet own. X Lend is a finance broker: we compare a panel of 67+ banks and non-bank lenders and arrange the finance so you keep building instead of chasing approvals.
Banks move slowly and treat every tradie the same. We don't. Whether you're a sole-trader sparky after a new van or a building company kitting out a site, we match your situation — including low-doc and ABN-only options — to a lender comfortable with how trades actually earn: lumpy, project-based and busy.
From a single tool purchase to a full fleet and plant upgrade, 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 on the tools; we handle the paperwork.
What builders and trades finance with us.
Most site and vehicle costs can be financed, freeing your cash for materials and wages. The common ones:
Why trades 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 your business can get.
Low-doc and ABN-only
Established ABNs can often finance gear without full financials — quick and light on paperwork.
Same-day decisions
Win the job today, get the gear this week — many trade deals settle in 24 to 72 hours.
Built for lumpy income
We match you to lenders who understand progress claims and seasonal, project-based cashflow.
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 working.
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 trade business.
Often, yes. Established ABNs can frequently access low-doc finance for vehicles and equipment without full financials. We match you to lenders comfortable with your trading history.
That's exactly what we do. Many trade deals get a same-day decision and settle within 24 to 72 hours, so you can take the contract and get the equipment without missing the start date.
Yes. We arrange finance for used and private-sale vehicles and equipment, 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.