Business Loans
Pull cash out of property for a business purpose.
Equity sitting idle in property put to work in your business — cash-out finance placed across our panel.
Equity is only useful when it's working.
Plenty of business owners are asset-rich and cash-tight — serious equity locked in property, but not enough liquid capital to fund the next move. As a brokerage rather than a lender, X Private places deals, it doesn't fund them: we arrange property-secured cash-out finance and place it with the right funder from our panel of 50+ non-bank and private lenders, freeing that equity for your business.
Cash-out means raising funds against property you own and taking the proceeds for a genuine business purpose — working capital, a deposit on the next deal, equipment, tax, or growth. It's for owners with an ABN and a real business use, structured as a first or second mortgage.
Where a bank demands a long-winded purpose and a slow process, we focus on the equity, the business purpose and a clear exit. Indicative answer within 24 hours and settlement in days.
Why arrange cash-out through X Private.
Unlock idle equity
Put the equity trapped in property to work funding your business instead of sitting still.
Up to 90% LVR
Release more of your equity than the banks typically allow, assessed on the security.
Business-purpose use
Working capital, the next deal, equipment, tax or growth — for a genuine business purpose.
1st or 2nd position
A fresh first mortgage, or a second behind your existing loan to keep its rate.
Fast and flexible
Indicative answer in 24 hours and settlement in days, without a bank's purpose interrogation.
Clear exit, sensible terms
Structured around how you'll repay — a refinance, a sale or business cashflow.
What the cash-out funds.
Property equity released for a genuine business purpose. Common uses:
- Working capital for an operating business
- A deposit or contribution on the next purchase
- Funding a development or project
- Buying equipment, stock or a vehicle for the business
- Clearing ATO or supplier debt
- Investing in growth or a new venture
- Buying out a business partner
- Bridging a short-term cashflow gap
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 cash-out 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. Cash-out here must be for a genuine business purpose — it's not consumer spending or an owner-occupied home loan. If the use is personal, we're not the right fit.
Yes. A second mortgage lets you release equity without refinancing a good first-mortgage rate. We can also arrange a fresh first mortgage if that works out better overall.
Through our panel we can typically arrange up to around 90% LVR across the security, depending on the property, position and your exit. We'll give you a realistic figure within 24 hours.
An ABN, the property and equity position, the business purpose for the funds, and a clear exit. We'll tell you exactly what's needed before you apply so nothing stalls.