Business Loans
Fund growth, secured against property you own.
Open the next site, buy the competitor, scale the team — property-secured expansion finance placed across our panel.
Capital to grow, priced on your property.
Growth needs funding at the right moment — a new premises, an acquisition, a bigger team or a serious marketing push. As a brokerage rather than a lender, X Private places deals, it doesn't fund them: we arrange property-secured expansion finance and place it with the right funder from our panel of 50+ non-bank and private lenders, so equity in property fuels the next stage.
Securing the facility against property typically unlocks a larger amount and a sharper rate than unsecured business lending, with terms structured around the return the expansion will generate. This is business-purpose finance for owners with an ABN and real property security.
We understand growth deals — the timing pressure, the lumpy cashflow, the need to move before a competitor does — and we place them with lenders who back ambition. Indicative answer within 24 hours, settlement in days.
Why fund expansion through X Private.
Larger facility, sharper rate
Property security typically unlocks more capital at a better rate than unsecured growth funding.
Up to 90% LVR
Release more of your property equity to fund the expansion, assessed on the security.
Move before competitors
Indicative answer in 24 hours and settlement in days so you act while the opportunity is live.
Structured on the return
Terms built around the cashflow the expansion will generate, not a rigid bank template.
1st or 2nd position
A fresh first mortgage, or a second behind your existing loan to keep its rate.
Lenders who back growth
We place with funders comfortable lending into ambitious, well-secured expansion plans.
What expansion finance funds.
Property-secured capital for genuine growth. Common uses:
- Opening a new site or premises
- Acquiring a competitor or bolt-on business
- Fit-outs and refurbishments
- Hiring and scaling the team
- Buying stock or equipment to meet demand
- Marketing and market-entry costs
- Funding a franchise or new territory
- Bridging cashflow during a growth phase
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we place property-secured expansion finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Expansion finance is for growing a business, secured by property — not a consumer or owner-occupied home loan.
Property security generally means a larger facility and a sharper rate than unsecured business lending, which is often the most cost-effective way to fund a meaningful expansion.
Yes. Where you have equity and a good first-mortgage rate, a second mortgage lets you fund the expansion without refinancing your existing loan.
You'll have an indicative answer within 24 hours, and facilities can settle in days where the equity and plan are clear.