Industries
Fit it out, fire it up, fund the busy season.
Café, restaurant and venue finance — we compare 67+ lenders for fit-outs, equipment and the cashflow that carries you between peaks.
Hospitality runs on timing — so should your finance.
Opening a venue, refreshing a tired fit-out, 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 67+ banks and non-bank 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 non-bank 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.
From a single espresso machine to a complete restaurant fit-out, plus the working capital to bridge slow weeks and supplier terms, we structure the finance around your cashflow and handle the lender so you can run the floor.
What hospitality businesses finance with us.
The gear and cashflow a venue runs on, funded to keep your cash for stock and staff:
Why venues use a broker instead of their bank.
We know who says yes to hospitality.
67+ lenders, one application
We compare banks and specialist lenders in one go to find appetite for your venue.
Lenders who back hospitality
Where a bank hesitates, our non-bank 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 fit-outs without full financials.
We run the paperwork
You run the floor; we manage the lender and the settlement.
Common questions, straight answers.
We're a finance broker: we compare a panel of 67+ banks and non-bank lenders and arrange the finance that best fits your hospitality business.
Often, yes. Hospitality is exactly where the non-bank panel earns its keep. We take your numbers to lenders who back venues and know how to read seasonal trade.
Yes. Fit-outs 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.