80+ lenders, one application
We compare banks and specialist asset lenders in one go to find the sharpest rate your business can get.
Industries
Construction & Trades Finance
Win the job, get the gear, keep the cash, we compare 80+ lenders to fund the utes, tools and machinery your site runs on.
Get your quoteTools down means money lost.
Won the contract but don't own the gear yet? Many trade deals get a same day decision and settle within 24 to 72 hours, and established ABNs can often skip the full financials with low doc options.
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 80+ banks and nonbank 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.
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:
Vehicle Finance
Utes, vans and work trucks, new, used, dealer or private, structured for your business.
Equipment Finance
Excavators, tools, scaffolding and machinery, fund the gear that wins and delivers the job.
Truck Finance
Tippers, rigids and prime movers for civil and haulage work.
Unsecured Business Loans
Working capital to fund a contract, hire crew or bridge progress claims, no property security.
Cashflow Finance
Cover wages, materials and tax while you wait on slow paying clients and progress payments.
Lines of Credit
A standing buffer you draw on for materials runs and quiet months, interest only on what you use.
Why trades 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 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.
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 builders and trades who can't wait on the bank. 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 builders and trades who can't wait on the bank. 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 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.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.
Genuine settled outcomes
Related case studies
Business VehiclesSettled
$68,000
A Ford Ranger funded before the first full year of trading
Approved on the first lender enquiry and settled for the full amount at a historical rate of 9.4%, with no deposit, before the new contract started.
Read the outcomeBusiness LendingSettled
$180,000
A plumbing competitor acquired with specialist business finance
Approved on the first lender enquiry and settled for $180,000 at a historical rate of 10.95%, alongside the buyer's $70,000 contribution to the $250,000 purchase.
Read the outcomeBusiness LendingSettled
$220,000
Three weekly business loans replaced with one monthly repayment
Approved on the first lender enquiry and settled at a historical rate of 10.2%. Three weekly repayments became one monthly repayment and $35,000 was released for the refurbishment.
Read the outcome