Business lending

Business lending

Simple, swift working capital and asset finance to help growth-driven businesses to develop and succeed.

Banjo Express

Get fast access to funds with less paperwork

Flexi Working Capital Loans

Get up to 4 months interest expense only repayments with

Single Pay Loans

Get a bridging finance facility to release working capital

Working Capital Loans

Get cashflow funding options to help growth

Asset & Equipment Finance

Get a flexible asset loan to finance assets and business moving forward

Our partners

About us

Knowledge hub


Better loans built for business

How Banjo helps

Small to medium-sized businesses are the engine room of our economies, cities and communities. Our mission is to power their growth through simple, smart financial solutions. Banjo makes it easier for businesses to access the finance they need to move forward. Taking them to the next chapter in their development and success.
We understand business
We understand the dynamic, fast-changing nature of SMEs. That’s why we look beyond traditional assets and collateral to build a more holistic understanding of the businesses we partner with. Our approach is considered and financially responsible.
More than funding
We’re committed to going the extra mile to build long-lasting client relationships and provide ongoing support because for us, it’s always about more than just funding. It’s about meaningful partnerships that support growth, enable development and drive success. Together.
We see the bigger picture
By combining our financial expertise and business acumen, we help Australian businesses navigate complex challenges. We see the bigger picture and work collaboratively with established SMEs to help them move forward — to their next chapter today, and their full potential tomorrow.

What brings us to work each day?

Banjo culture and values

Meet the team

Chief Executive Officer

Guy Callaghan

Guy has worked in the finance sector in Australia and internationally for more than 25 years. He is passionate about helping Australian and NZ SMEs grow and flourish — not only through funding but by working alongside them to support their journey. As a former Olympic swimmer, Guy has a strong focus and drive to succeed. When not at work, he loves spending quality time with his family, surfing and being in the ocean.

Chief Risk Officer

Andrew Ward

Andrew is an experienced banking and finance executive having held numerous business development, strategy, and credit risk management roles over 20+ years in the financial services sector. Prior to Banjo he practised as a Chartered Accountant before joining a large Australian bank, holding senior positions leading large credit risk management teams across both business and consumer lending. 

Chief Financial Officer

Paul Pesavento

Paul is dedicated to driving the growth and success of SMEs in Australia and beyond. His expertise spans actuarial work, investment banking, and fintech lending, allowing him to offer unique insights and solutions to businesses. Paul's passion lies in empowering businesses to achieve their full potential through strategic financial management and innovative solutions. Beyond work, Paul enjoys cycling, DIY, and time with family and friends.

Chief Technology Officer

Julian Hedt

In a career spanning more than 25 years, Julian has led a number of fascinating IT projects for businesses like NAB, Telstra, and Infosys. Now, he brings his passion for technology and “out of the box” thinking to Banjo, creating bespoke solutions that help SMEs reach their growth potential. When not at his computer, Julian enjoys relaxing with a good book, heading out on his motorbike, or gardening with his wife.

Chief Commercial Officer

Brendan Widdowson

Brendan is an experienced sales and marketing leader in the fintech sector, with experience managing teams both in Australia and the UK. He is passionate about helping businesses grow and uses his diverse background across SME lending, credit information and B2B payments to support clients and partners. Brendan currently leads the Distribution Team at Banjo in his capacity as Chief Commercial Officer.

It pays to work with good people

We’re open and accepting and support each other to achieve. We work with people we can trust inside and out.
We actively listen, respect boundaries, acknowledge sensitivities and value diversity.
We are one team, we share openly, we constructively challenge and we all own the result.
We take a moment to appreciate one another, recognise achievements big or small and celebrate our successes together.

Our commitment to you

* Disclaimer: Fees, lending criteria, terms and conditions apply (including an origination fee on each advance). Actual fixed fee (or interest expense) and repayments will vary based on your individual circumstances. Advertised rates are subject to change at any time. Fixed fee (or interest expense) accrues upfront and is paid in instalments. While Banjo does not generally take security over assets, director guarantees may be required and a general security deed or other security may be required for larger loans or in respect of some loan types. Statements regarding timing in relation to applications, approvals and funding are only indicative. Any advice given does not take into account your personal circumstances and you should carefully consider what products are appropriate for you and obtain professional advice where relevant.

Copyright © 2022 Banjo® Loans. Banjo® and Banjo Score® are registered trade marks used under licence by Banjo Loans. All loans are provided by FundIT Ltd ACN 601 130 527 in its capacity as trustee of the Banjo Small Business Loan Fund ABN 32 713 685 984 (AFSL 468033). All loans are subject to eligibility criteria and approval by Banjo. Upfront fee, terms and conditions apply.