Asset-secured lending · Up to $1M
Unlock the cash in what you already own.
When you need fast cash, don't go to the bank. MoneyX lends against the equity in your assets — vehicles, equipment, jewellery, art — with a decision in 24 hours and funds the same day.
No
credit checks
No
company financials
No
valuation fees
No
delays
Borrow Estimator
Based on up to 70% of asset value
You could borrow up to
$105,000
Repayable within 6 months · No credit checks
Loan range
$20K–$1M
Max LVR
70%
Decision
24 hours
The Challenge
Banks are slow. Your assets are just sitting there.
Banks need weeks of paperwork, financials, and credit history before they'll talk numbers.
Credit-based lenders cap what they'll loan based on your file — not what your asset is worth.
Meanwhile, valuable assets you already own sit idle while the opportunity passes.
The Solution
Lending built around the asset, not your credit file.
MoneyX is a short-term, asset-secured loan. You keep the upside. We focus on the asset's value — not your tax returns. If the loan isn't paid within 6 months, the asset is sold at auction via Lloyds and any surplus is returned to you.
01
Tell us about the asset
Send through asset type, ownership details, and estimated value. Takes under 5 minutes.
02
Get an offer in 24 hours
We assess the asset (not your credit file) and come back with a loan offer up to 70% of value.
03
Receive your funds
Sign the loan agreement and funds land in your account — typically the same day.
04
Repay within 6 months
Repay any time inside the 6-month term. If unpaid, the asset is sold via Lloyds auctions; surplus comes back to you.
What counts
Almost any asset of value.
Owned in the business or personally. Most lenders stop at company assets — we don't.
$20K – $1M
Loan amount
Up to 70%
Of asset value
24 hours
Decision turnaround
6 months
Maximum term
Lloyds auction
Recovery backstop
Surplus to you
Any sale proceeds above the loan come back
FAQ
Common questions
Enquiry
Make an enquiry.
Send a few details about your asset and what you need. A MoneyX specialist will respond within 24 hours with an indicative offer.
- Decision in 24 hours
- No impact on your credit file
- Funds typically same day on acceptance