How it works


With rich accounting data and up-to-date reporting available via the Xero API, we’re seeing a shift in the way that the industry is innovating to provide small businesses with access to capital.

Xero on mobile

Streamlining the customer experience

When a customer chooses to share data from Xero, it cuts out the time-consuming processes that are typically involved in applying for credit. Efficiencies are created for the small business and their accountant when your financial institution can:

Loan application

Pre-fill the loan application form with company data sourced from Xero on behalf of the small business

Financial reports

Gain access to specific Xero financial reports and invoices from the small business that will help you to make a faster and more accurate lending decision

Accounting transactions

Automate the creation of lender accounting transactions in Xero to ensure bank reconciliation is fast and easy

More reliable data, greater automation, better services

Reliable data, secure connection, and automated workflows from Xero allow the financial services industry to cost effectively serve the small business segment at scale



A partnership with Xero lowers the cost of marketing and broadens your reach.



A frictionless application process reduces manual error and drives higher completion rates.


Credit decision

Rich data in Xero give your financial institution a more informed picture of risk.



An always-on connection allows you to understand your customers changing financial needs.

Opening up a choice of lending solutions

We work with financial institutions across the globe who offer a range of lending solutions including term loans, lines of credit, invoice advances and invoice instalment plans.

Lenders that are already connected to Xero

Market Invoice

Insights into global best practice

As a result of our ongoing conversations with businesses, accountants, bookkeepers, app developers and banks globally, we can offer guidance on the best ways for intergrating your lending solutions with our accounting service – from identifying the data you need in a lending workflow to integrating with Xero.

Talk to us about how Xero can help you transform your small business lending solution. Contact us.