Why use your Xero data
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.
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.
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.
Xero is committed to helping more small businesses get access to capital so that they have the financial means to run and grow their business. So we partner with lending institutions globally – both banks and alternative lenders – and build direct integrations which let businesses share their financial reports and data in Xero directly with the lender during a loan application. This gives the lender immediate access to the information they need to be able to assess the loan application and make a decision.
We understand that when you need finance, speed is critical. Prior to lending integrations being available, businesses would typically need to manually export and share documentation with lenders in order to be assessed for credit, resulting in time-consuming and sometimes inaccurate lending processes. Our lending integrations allow you to apply for finance faster, by enabling direct sharing of Xero data with the lender. Simply apply online and connect your Xero organisation in a few clicks to share your data. Our lending partners generally support a fast decision time so you may receive a response the same day, however this will depend on the lender.
We work with lenders who share our vision of helping more small businesses get access to capital and who have the technical capability to build beautiful experiences for our joint customers. We don’t aim to work exclusively with any one lender; we’d rather give our small business customers a range of lenders and financial products to choose from, as we recognise that every business is unique with different circumstances and financing needs. All of our lending partners must complete Xero’s developer certification process and adhere to the standards required for certification.
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.