Why use your Xero data
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.
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.
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.
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.
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.
Line of credit
Apply for credit up to a limit set by the finance provider, to give you access to funds when you need them. This is generally a short to medium-term solution.
Business cash advance
Borrow a sum of money with repayments adapted to your cash flow. Repayments are based on a pre-agreed percentage of the business’s card transactions rather than a fixed amount. This is generally a short to medium-term solution.
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.
Note that, for regulatory reasons, you won’t be able to apply for small business finance using your Xero data if you are an individual, partnership of two or three persons (unless all partners are bodies corporate), or an unincorporated body of persons (unless all persons are bodies corporate) which is not a partnership.
Xero may receive payments or commissions from lenders when Xero customers choose their financial products or services.