Vehicle Finance
Utes, vans and work trucks, new, used, dealer or private, structured for your business.
View finance optionsConstruction & 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.
80+ lender panelBanks and specialist lenders
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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 80+ banks and nonbank lenders and arrange the finance so you keep building instead of chasing approvals.
Lenders assess trade income differently. 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 alternative-document 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 coordinate the application with the lender. 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:
Equipment Finance
Excavators, tools, scaffolding and machinery, fund the gear that wins and delivers the job.
View finance options
Truck Finance
Tippers, rigids and prime movers for civil and haulage work.
View finance optionsUnsecured Business Loans
Working capital to fund a contract, hire crew or bridge progress claims, no property security.
View finance optionsCashflow Finance
Cover wages, materials and tax while you wait on slow paying clients and progress payments.
View finance optionsLines of Credit
A standing buffer you draw on for materials runs and quiet months, interest only on what you use.
View finance optionsWhy trades use a broker instead of their bank.
One broker to compare our panel of 80+ banks and specialist lenders.
Talk through your options80+ 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, your broker checks the lender timeline and outstanding conditions.
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.
Make the next move.
Know the full picture.
The right finance should support the work ahead. Compare what it makes possible with the cost and commitment of borrowing.
What finance can help with
Put the right gear to work
Access vehicles and equipment for new contracts, replacements or a growing workload.
Keep cash available for the job
Spread an eligible purchase over time while keeping a buffer for wages, materials and operating costs.
Reduce avoidable downtime
Replace unreliable assets when the cost of repairs and lost working time starts adding up.
What to weigh up
Look beyond the repayment
Compare interest, fees and any final balloon payment alongside the total amount you will repay.
Allow for quieter periods
Repayments continue when work slows or customers pay late. Check the commitment against your cashflow.
Compare buying now with waiting
Weigh repair costs and missed work against the cost of finance. Paying cash also reduces your available buffer.
Price the whole job, not just the asset.
Safe Work Australia's plant guidance covers purchasing, installation, operation and maintenance. Choosing equipment is also a safety and operating decision; check the requirements in your state or territory.
Safe Work Australia: managing plant risks (November 2024)What to prepare for your finance discussion
For a trade vehicle or machine, separate the purchase from racking, attachments, delivery, insurance and running costs. Then compare the repayment with the work already booked and the timing of progress payments. A busy pipeline does not necessarily mean cash is available on the repayment date.
- Supplier quote with fit-out and attachments itemised
- Current jobs, payment milestones and expected collection dates
- Recent business statements and existing finance commitments
Source checked 5 September 2026. These planning points explain how to prepare; lender requirements and regulatory obligations depend on your circumstances.
Your questions, answered.
Get clear on eligibility, paperwork and the next steps before you apply.
Ask a brokerAre you a lender or a broker?
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.
Can I finance gear with just an ABN?
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.
I've just won a big contract but don't have the gear, can you move fast?
That's exactly what we do. Decision and settlement timing depend on the lender, complete documents and any required asset checks. Your broker confirms the expected steps before you commit.
Can I finance used equipment or a private sale ute?
Yes. We arrange finance for used and private sale vehicles and equipment, handling the checks so the deal settles cleanly.
Will an enquiry affect my credit?
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.
See how it worked
for other businesses.
View all case studies
$68,000 settled
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.
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$220,000 settled
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 case study
$75,000 settled
Working capital bridged wages and materials during slow payments
Approved on the first lender enquiry and settled for $75,000 at a historical rate of 12.95%, allowing wages and materials to be paid while invoices remained outstanding.
Read case study