Industries
Keep the fleet rolling and the freight moving.
Trucks, trailers and prime movers funded fast — we compare 67+ lenders so a new rig or a fleet upgrade never parks your operation.
A truck off the road is money standing still.
In transport, downtime is the enemy. A breakdown, a new contract, or a chance to add capacity all need the right rig at the right time. X Lend is a finance broker: we compare a panel of 67+ banks and non-bank lenders and arrange the finance so your fleet keeps earning.
From an owner-operator buying a first prime mover to a fleet adding trailers and rigids, we match the deal to lenders who understand transport — including older trucks, higher kilometres and seasonal freight cycles that banks reflexively decline. Low-doc options keep it fast for established operators.
We structure the finance around your tax position and how you run — chattel mortgage, hire purchase or lease — and chase a quick decision so the rig is working, not waiting. You drive the business; we manage the lender and the paperwork.
What transport operators finance with us.
From a single unit to a whole fleet, the gear that moves your freight can be financed:
Why operators bring their deals to a broker.
We know which lenders back transport — and which to skip.
67+ lenders, one application
We compare banks and specialist transport lenders in one go for the sharpest rate available to you.
Lenders for tricky rigs
Older trucks, high kilometres or seasonal income — we place deals a single bank's policy rules out.
New operators welcome
Some lenders weight your driving experience and contracts as well as time in business.
Low-doc for established fleets
Trading history can stand in for full financials, keeping approvals fast.
Structured for tax
Chattel mortgage, hire purchase or lease — built around your GST and depreciation position.
Fast settlement
Many truck deals settle in 48 to 72 hours so the unit gets earning 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 that best fits your transport business.
Often, yes. Lenders differ on truck age and kilometres, which is exactly why comparing 67+ of them helps — we match your unit to a lender comfortable funding it.
Frequently, yes. Some lenders consider your industry experience and contracts alongside time in business. We present your deal to the lenders most likely to back a new operator.
Yes. We arrange single-unit deals through to fleet facilities, sized to how your operation runs and your repayment capacity.
Many transport deals get a same-day decision and settle within 48 to 72 hours once documents and inspections are in.