80+ lenders, one application
We compare the market in one go to find the best fit and rate for an asset light firm.
Industries
Professional Services Finance
Vehicles, fitouts and cashflow for accountants, consultants and agencies, we compare 80+ lenders so growth never gets stuck waiting on receivables.
Get your quoteProfessional firms are asset light and cashflow sensitive.
No heavy assets, no problem. Asset light firms are often well suited to unsecured and cashflow facilities priced on recurring revenue and receivables, the trick is knowing which lenders price them keenly, and that's exactly what we compare.
Accountants, consultants, agencies and advisory firms don't carry heavy machinery, their costs are people, premises, technology and the gap between doing the work and getting paid. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance so a growth push or a slow debtor month never stalls the business.
Because professional firms are asset light, they're often well regarded by lenders for unsecured and cashflow facilities, but the right structure matters. We match your firm to lenders who price recurring revenue and strong receivables well, with low doc options for established ABNs.
What professional firms finance with us.
The vehicles, premises and working capital behind a growing practice:
Directors' Vehicle Finance
Partner and staff vehicles, novated or chattel mortgage, structured for the firm.
Unsecured Business Loans
Fund an office fitout, a hire or a growth push without putting up property.
Cashflow Finance
Smooth payroll and overheads between billing cycles and slow paying clients.
Invoice Finance
Release cash tied up in unpaid fees so growth doesn't outrun working capital.
Equipment Finance
IT, AV, servers and office technology that keep the team productive.
Acquisition Finance
Buying a competitor, a fee base or a book of clients? Fund the deal and the goodwill.
Why firms use a broker.
Your recurring revenue is an asset, let's get it financed like one.
Unsecured friendly
Professional firms often access strong unsecured and cashflow facilities, we know who prices them keenly.
Receivables put to work
Invoice and cashflow finance turn unpaid fees into working capital without new property security.
Low doc for established ABNs
Trading history can stand in for the full pack, keeping approvals fast.
Tax effective vehicles
Novated, chattel mortgage or lease for partner and staff cars, aligned to your position.
We handle the admin
You focus on clients; we manage the lender, paperwork and 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 finance that keeps a growing firm liquid. 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 that keeps a growing firm liquid. 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 firm.
Yes. Professional firms are often well suited to unsecured and cashflow facilities priced on revenue and receivables rather than hard assets. We match you to lenders comfortable with asset light businesses.
That's exactly what cashflow and invoice finance do. We can release the cash tied up in unpaid fees, or set up a facility that smooths payroll between billing cycles.
Yes. Fitouts are commonly funded via an unsecured business loan, and IT/AV via equipment finance, both keep your cash free for hiring and growth.
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