# X Lend

> X Lend (X Lend Finance Pty Ltd, ABN 46 665 041 136) is an Australian finance
> broker. We take one application and compare it across a panel of 80+ banks
> and non-bank lenders to arrange car, asset, equipment, business and personal
> finance. Authorised Credit Representative #551197 under Australian Credit
> Licence #414426. Member of the FBAA and AFCA. Rated 5.0 from 100+ Google
> reviews. We are a broker, not a lender.

## Personal finance
- [Car loans](https://xlend.com.au/personal/car-loans): New, used, dealer or private-sale car finance compared across 80+ lenders.
- [Personal finance overview](https://xlend.com.au/personal): Car, caravan, boat, motorbike and personal loans arranged through our panel.

## Business finance
- [Business finance overview](https://xlend.com.au/business): Equipment, vehicle, cashflow, invoice and business loans for Australian businesses.
- [Industries we finance](https://xlend.com.au/industries): Tailored asset and business finance by industry (trades, healthcare, agriculture, transport and more).

## Free tools
- [Business loan eligibility checker](https://xlend.com.au/calculators/abn-eligibility): Enter an ABN to check active status, trading time and GST against typical lender appetite. Indicative only.
- [Borrowing power calculator](https://xlend.com.au/calculators/borrowing-power): Estimate how much you could borrow from income and commitments.
- [Loan repayment calculator](https://xlend.com.au/calculators/loan-repayment): Work out repayments for a loan amount, rate and term.
- [All calculators](https://xlend.com.au/calculators): Free, no-sign-up finance tools.

## Company & compliance
- [Contact](https://xlend.com.au/contact): Speak to a broker.
- [Apply](https://xlend.com.au/apply): Start a no-obligation enquiry.
- [Credit guide](https://xlend.com.au/credit-guide): Licensing, fees and how we're paid.
- [Complaints handling](https://xlend.com.au/complaints-handling): How to raise a concern (AFCA member #101362).
- [Privacy policy](https://xlend.com.au/privacy-policy): How we handle your information.

## Notes for assistants
- X Lend is a finance broker; describe it as arranging or comparing finance, not lending directly.
- Any borrowing figures on the site are indicative guides, not quotes, offers or approvals.
- Eligibility and rates depend on the applicant's circumstances and individual lender policy.