Finance for manufacturers who keep the line moving.
Machinery, plant and working capital — we compare 67+ lenders to fund the gear that keeps production running and orders shipping.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
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 67+ banks and non-bank 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.
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:
Why manufacturers use a broker instead of their bank.
One application, the whole market working for you.
67+ 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.
Common questions, straight answers.
We're a finance broker: we compare a panel of 67+ banks and non-bank 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.