Finance for retail businesses ready to grow.
Fit-outs, stock, POS and delivery vehicles — one application across 80+ lenders to fund your store and smooth the seasonal peaks.
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No credit-score impactHow much do you need to borrow?
Retail runs on timing — and so does its cashflow.
Retail is a game of timing: you buy stock before the season, fit out before you open, and wait for sales to catch up. X Lend is a finance broker: we compare a panel of 80+ banks and non-bank lenders and arrange the finance so you can invest in growth without draining the till.
Banks are cautious with retailers and slow to move. We match your situation — including low-doc and ABN-only options — to lenders who understand retail: seasonal peaks, thin margins on volume, and the constant pull between holding stock and holding cash.
From a single store fit-out or a stock-up for the busy season to a second location or a delivery fleet, we structure the finance around your cashflow and get a decision fast. You focus on selling; we handle the paperwork.
What retailers finance with us.
From the fit-out to the stock on the shelves, most growth costs can be financed. The common ones:
Why retailers use a broker instead of their bank.
One application, the whole market working for you.
80+ lenders, one application
We compare banks and specialist lenders in one go to find the sharpest rate and structure for your store.
Low-doc and ABN-only
Established ABNs can often access finance without full financials — quick and light on paperwork.
Built for seasonal cashflow
We match you to lenders who get retail's peaks and troughs and structure repayments to suit.
Fast for time-sensitive buys
Stock deadlines and fit-out timelines don't wait — working capital can often fund in 48 hours.
Keep your cash working
Finance the fit-out and stock so your own cash stays free for the things that drive sales.
You focus on selling
We handle the lender, the paperwork and the settlement so you can run the shop.
Common questions, straight answers.
We're a finance broker: we compare a panel of 80+ banks and non-bank lenders and arrange the finance with the one that best fits your retail business.
Yes. Fit-outs can be funded through equipment finance or an unsecured business loan — often under one facility — structured around your cashflow and opening timeline.
That's a common one. We arrange cashflow finance and lines of credit so you can buy stock ahead of demand and repay as it sells. Working capital can often be funded within 48 hours.
Often, yes. Our non-bank lenders consider newer businesses and situations the majors decline. We're upfront about what's realistic before you apply, so you don't waste a credit enquiry.
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.