Xero makes applying for business loans and finance simpler

Access business finance from a wide range of lenders quickly and easily through Xero to help you get the financial support you need.

Explore the integrated lending options

See if the financial products or services offered by lenders who integrate with Xero are right for your business.

Business loan

Borrow a 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 solution.

Invoice financing

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

Business overdraft

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

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 solution.

small business with an open sign

Business finance? No trouble

Xero works with various lenders to build beautiful customer experiences. If you choose a lender that integrates with Xero:

  • your online application is automatically filled in with the latest data from your Xero organisation

  • the lender sees the Xero reports and financial data they need, once you authorise it

  • you may get a faster decision on your application and the money could arrive sooner

  • you can easily keep track of your repayments and the interest you’re paying in Xero if you're using Waddle, Moula or InvoiceNow

  • you can remove the lender’s access to your Xero financial data at any time

Before you apply


Consult your advisor on the best financing option for your business and discuss your financials and business goals.


Make sure your business finances are up-to-date in Xero. Reconcile all your transactions and record all received income.


Know your Xero login details so you can share your financial data securely with the lender.

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.

Although Xero reviews each of the apps listed here, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app, product or service before going ahead.

Xero may receive payments or commissions from app providers when Xero customers choose their apps, products or services.