Industries
Finance that keeps a growing firm liquid.
Vehicles, fit-outs and cashflow for accountants, consultants and agencies — we compare 67+ lenders so growth never gets stuck waiting on receivables.
Professional firms are asset-light and cashflow-sensitive.
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 67+ banks and non-bank 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.
Whether it's a fit-out for a bigger office, vehicles for partners and staff, new technology, or working capital to bridge billing cycles, we structure the finance around your cashflow and handle the lender so you can focus on clients.
What professional firms finance with us.
The vehicles, premises and working capital behind a growing practice:
Why firms use a broker.
Your recurring revenue is an asset — let's get it financed like one.
67+ lenders, one application
We compare the market in one go to find the best fit and rate for an asset-light firm.
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.
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 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. Fit-outs 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.