80+ lenders, one application
We compare banks and specialist lenders in one go to find appetite for your venue.
Industries
Hospitality Finance
Café, restaurant and venue finance, we compare 80+ lenders for fitouts, equipment and the cashflow that carries you between peaks.
Get your quoteHospitality runs on timing, so should your finance.
Been knocked back by a bank? Hospitality is exactly where the nonbank panel earns its keep, we take your numbers, seasonal trade and all, to lenders who genuinely back cafés, restaurants, bars and venues.
Opening a venue, refreshing a tired fitout, replacing a dead coffee machine before the morning rush, or covering wages through a quiet winter, hospitality is relentless and seasonal. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance so a cash crunch never closes the doors.
Banks can be wary of hospitality. We aren't, we know which nonbank lenders back cafés, restaurants, bars and function venues, and how to present your numbers (including seasonal and growing businesses) so the deal gets up. Low doc options keep it fast for established operators.
What hospitality businesses finance with us.
The gear and cashflow a venue runs on, funded to keep your cash for stock and staff:
Hospitality Equipment Finance
Coffee machines, ovens, cool rooms, POS and full commercial kitchens.
Unsecured Business Loans
Fund a fitout, refurbishment or second site without putting up property.
Cashflow Finance
Cover wages, rent and suppliers through quiet weeks and seasonal dips.
Lines of Credit
A buffer for stock runs and slow periods, interest only on what you use.
Vehicle Finance
Delivery vans and catering vehicles for off site trade and events.
Acquisition Finance
Buying an existing café, restaurant or venue? Fund the purchase and the goodwill.
Why venues use a broker instead of their bank.
We know who says yes to hospitality.
Lenders who back hospitality
Where a bank hesitates, our nonbank panel funds cafés, restaurants, bars and venues.
Built for seasonal cash
We present your peaks and troughs to lenders who structure around them.
Fast when it counts
A dead fryer or a lease deadline can't wait, many deals settle in 24 to 72 hours.
Low doc options
Established ABNs can often finance equipment and fitouts without full financials.
We run the paperwork
You run the floor; we manage the lender and the settlement.
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 fit it out, fire it up, fund the busy season. 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 fit it out, fire it up, fund the busy season. 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 that best fits your hospitality business.
Often, yes. Hospitality is exactly where the nonbank panel earns its keep. We take your numbers to lenders who back venues and know how to read seasonal trade.
Yes. Fitouts are commonly funded via equipment finance or an unsecured business loan, so you can open or refurbish without tying up property.
Yes. We arrange acquisition finance structured around the business you're buying, including goodwill, often serviced partly by the venue's own trade.
Many hospitality equipment deals get a same day decision and settle within 24 to 72 hours once documents are in.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.
Genuine settled outcomes