Xero is your best asset when applying for a small business loan or finance

Share your financial data in Xero directly with leading lenders during the application process, so you get a decision faster.

Covid 19 financial support

Financial support during COVID-19

For many small businesses, the past month has been the hardest they have ever faced. Revenue has dried up for some while others are surviving on a trickle. As a result, the Australian Government has established the Coronavirus Small and Medium Enterprises (SME) Guarantee Scheme to provide $40 billion in support for lending to SMEs (including sole traders and not-for-profits).

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Why use your Xero data

small business financing

Speedy application

  • Apply for a business loan or finance with one of our lending partners in as little as 20 minutes.

  • Just make sure your information is correct and up-to-date in Xero before you apply.


Share financials directly with the lender

  • Forget about preparing paperwork.

  • Simply connect your Xero organisation during the application process and your financial reports and other Xero data will be securely shared with the lender.

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Get a decision sooner

  • Giving the lender access to your business financials in Xero means they have the information they need to make a decision faster.

  • The quicker you know the lender’s decision, the quicker you can act.

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Rest assured your Xero data is safe

  • Your Xero data will be securely shared with the lender on your consent.
  • Xero protects the privacy of your data using multiple layers of protection including encryption.

Explore different types of business loans & finance

Xero has partnered with financial institutions to streamline the process to get finance for your small business.

Invoice finance

Receive payment for your invoices straight away instead of waiting 30 days or more for your customers to pay. This is generally a short to medium-term financing solution.

Business loan

Borrow a lump sum of money that you pay back over an agreed time period in a series of repayments. This is generally a medium to long-term financing solution.

Business overdraft

Apply for a line of credit that you can access whenever your bank account balance drops below zero. This is generally a short-term financing solution.

Business credit card

Apply for credit up to an approved limit on a business credit card to purchase goods and services. This is generally a short-term financing solution.

Vehicle and equipment finance

Borrow money to purchase vehicles or equipment for your business, and take advantage of competitive interest rates by using the vehicle or equipment to secure the loan. This is generally a medium to long-term solution.


Moula connected to our Xero accounting software and approved our loan within 2 hours with funds received in less than 12 hours. These guys get it!

Stuart Taylor, Xero customer

Before you apply

Before you apply steps

Work with your advisor to get finance ready

Make sure that the information in Xero is correct, complete and up to date so that your business is in the best position to get approval. Here is a guide on how you can work with your advisor to build your Xero data to be your best asset.

• Make sure you have an accountant or bookkeeper to set up and oversee your Xero account. Find an experienced advisor here.

• Get bank feeds direct to Xero so your bank transactions automatically flow in. Then create bank rules to help make it easier to reconcile transactions.

• Use other features in Xero to automate the entry of information, such as email to bills. The more information that flows in, the more powerful your Xero data becomes.

• Reconcile all your transactions before you start a loan application.

• Use an app like Hubdoc to help keep your digital records up to date automatically. Lenders often use official documents such as utility bills and bank statements to validate your identity.


Want to know more?

Important notice

This page contains general information only and should not be taken as taxation, financial, investment or legal advice. Xero recommends that you always obtain specific and detailed professional advice about any business, lending and credit decisions.

It’s up to you to assess the suitability of any loan, product or service before going ahead.

Xero may receive payments or commissions from lenders when Xero customers choose their financial products or services.