Equipment Finance
CNC machines, presses, production lines and factory plant, fund the capacity that fills the order book.
View finance optionsManufacturing Finance
Machinery, plant and working capital, we compare 80+ lenders to fund the gear that keeps production running and orders shipping.
80+ lender panelBanks and specialist lenders
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Downtime is money you don't get back.
Manufacturing runs on capital equipment, and the moment a machine ages out, a new contract needs capacity you don't have, or a line goes down, every hour costs you output. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance so you can upgrade and expand without draining working capital.
Banks are cautious with plant and machinery and slow to move. We match your situation, including low doc and alternative-document options, to lenders who understand manufacturing: high value assets, longer production cycles, and the seasonal swings in orders and cashflow.
From a single CNC machine or forklift to a full production line upgrade, we structure the finance around your cashflow and tax position (chattel mortgage, hire purchase or rental) and get a decision fast. You keep making product; we handle the paperwork.
What manufacturers finance with us.
Most plant and operating costs can be financed, freeing your cash for materials and wages. The common ones:
Forklift Finance
Forklifts, delivery vans and work vehicles that move stock around the floor and out the door.
View finance optionsUnsecured Business Loans
Working capital to tool up for a contract, hire staff or expand a site, no property security.
View finance optionsInvoice Finance
Turn unpaid customer invoices into cash so you're not funding production while you wait 60 days to be paid.
View finance optionsCashflow Finance
Cover materials, wages and tax through the gap between buying inputs and shipping finished goods.
View finance optionsLines of Credit
A standing buffer you draw on for raw material runs and quiet months, interest only on what you use.
View finance optionsWhy manufacturers 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 on high value plant.
Low doc and ABN only
Established ABNs can often finance machinery without full financials, quick and light on paperwork.
Comfortable with big ticket assets
We match you to lenders who fund expensive, long life plant that the majors are quick to knock back.
Structured for your cashflow
Repayments shaped around production cycles and order timing, not a one size bank template.
Tax effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Fast decisions
We handle the lender, the paperwork and settlement so you can get the machine in and running sooner.
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.
Allow for the cost of getting into production.
Safe Work Australia's plant code includes commissioning, guarding, emergency controls and maintenance. A delivered machine may require further work before it can operate safely.
Safe Work Australia: managing plant risks (November 2024)What to prepare for your finance discussion
Ask for a complete installed cost: freight, power, tooling, software, training and commissioning. Compare the proposed production gain with realistic orders and margins. Include the changeover period when repayments could start before the new machine contributes revenue.
- Machine quote, specifications and warranty
- Installation, tooling and commissioning costs
- Order book, gross margins and production cashflow forecast
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 manufacturing business.
Can I finance high value machinery with just an ABN?
Often, yes. Established ABNs can frequently access low doc finance for plant and machinery without full financials. We match you to lenders comfortable with your trading history and the asset.
Can you finance used or imported machinery?
Yes. We arrange finance for used, ex demo and imported plant, handling the extra checks so the deal settles cleanly.
How is equipment finance treated at tax time?
Depending on the structure (chattel mortgage, hire purchase or rental), you may claim depreciation and interest, and there can be GST benefits. We'll set it up to suit your position, confirm the detail with your accountant.
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
$33,000 settled
A used CNC plasma cutter replaced outsourced workshop jobs
Approved on the first lender enquiry and settled at a historical rate of 11.1%. The machine was installed and smaller cutting jobs moved in-house.
Read case study