80+ lenders, one application
We compare banks and specialist lenders in one go to find the sharpest rate and structure for your store.
Industries
Retail Finance
Fitouts, stock, POS and delivery vehicles, one application across 80+ lenders to fund your store and smooth the seasonal peaks.
Get your quoteRetail runs on timing, and so does its cashflow.
Gearing up for a peak season or a new store? Working capital can often be funded in 48 hours, and established ABNs can access low doc options without full financials.
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 nonbank 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.
What retailers finance with us.
From the fitout to the stock on the shelves, most growth costs can be financed. The common ones:
Unsecured Business Loans
Working capital for a fitout, a new store or a marketing push, no property security required.
Cashflow Finance
Buy stock ahead of the season and cover wages and rent while sales catch up, smooth the peaks and troughs.
Lines of Credit
A revolving buffer you draw on for restocks and quiet months, interest only on what you use.
Equipment Finance
POS systems, fridges, shelving, ovens and fitout equipment, the gear that runs the shop floor.
Vehicle Finance
Delivery vans and work vehicles to run click and collect, deliveries and multi site restocks.
Invoice Finance
For wholesale and trade supply retailers, turn unpaid invoices into cash instead of waiting on terms.
Why retailers use a broker instead of their bank.
One application, the whole market working for you.
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 fitout timelines don't wait, working capital can often fund in 48 hours.
Keep your cash working
Finance the fitout 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.
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 retail businesses ready to grow. 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 retail businesses ready to grow. 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 retail business.
Yes. Fitouts 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 nonbank 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.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.