80+ lenders, one application
We compare banks and specialist asset lenders in one go to find the sharpest rate on high value plant.
Industries
Manufacturing Finance
Machinery, plant and working capital, we compare 80+ lenders to fund the gear that keeps production running and orders shipping.
Get your quoteDowntime is money you don't get back.
Won a big order but need capacity to fill it? Established ABNs can often finance new plant with low doc, no full financials, and many deals settle within days, not weeks.
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 ABN only options, to lenders who understand manufacturing: high value assets, longer production cycles, and the seasonal swings in orders and cashflow.
What manufacturers finance with us.
Most plant and operating costs can be financed, freeing your cash for materials and wages. The common ones:
Equipment Finance
CNC machines, presses, production lines and factory plant, fund the capacity that fills the order book.
Forklift Finance
Forklifts, delivery vans and work vehicles that move stock around the floor and out the door.
Unsecured Business Loans
Working capital to tool up for a contract, hire staff or expand a site, no property security.
Invoice Finance
Turn unpaid customer invoices into cash so you're not funding production while you wait 60 days to be paid.
Cashflow Finance
Cover materials, wages and tax through the gap between buying inputs and shipping finished goods.
Lines of Credit
A standing buffer you draw on for raw material runs and quiet months, interest only on what you use.
Why manufacturers 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 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.
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 manufacturers who keep the line moving. 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 manufacturers who keep the line moving. 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 manufacturing business.
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.
Yes. We arrange finance for used, ex demo and imported plant, handling the extra checks so the deal settles cleanly.
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.
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