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


Business lending

Banjo Asset Finance Excel

Flexible and tailored asset finance solutions to help your business move forward.
Loans from $20k to $2m
Loan terms from 12 to 60 months
Fund up to 100% of the purchase price
Speak with our finance specialists

Easy and tailored solutions to access equipment when you need it

At Banjo, we offer tailored asset finance solutions to:
•  Replace ageing equipment
•  Consolidate existing debts
•  Release equity from existing assets.

Whether it’s purchasing a new or used asset, mid-term refinance, balloon refinance or capital raise using an existing asset, Banjo’s dedicated loans specialists are here to guide you.

Start your application today

Get moving with Asset Finance Excel

Start your application today.

Apply Now


Get started in three simple steps

Apply online
Head to 'Apply' online
Complete the simple online application in as little 
as 10 minutes.
Get Approved
We’ll review and assess your application within a couple of business hours.
Get access to your funds
If approved, funds can be transferred directly to your account in as little as 24 hours.

Tick the boxes?
Let’s get started.

Here's what you need to get started:
Provide your active ABN or ACN
Proof of 2+ years in business
$500,000+ in annual sales
Typically, we do not lend to businesses in the property development or regulated utility industries. Generally, the provision of some security will be required for this product.

Apply Now


Frequently Asked Questions

What is Asset Finance Excel?

Banjo Asset Finance Excel is the provision of a loan that enables businesses to purchase and own the equipment from the beginning. The business will make regular payments as per the loan repayment schedule and the loan is secured against the asset.

What loan amount can I borrow and over what loan term?

Banjo can consider loan amounts ranging from $20k to $1m over 12 to 60 months.

Who qualifies for an Asset Finance Excel loan with Banjo?

The minimum requirement is an ABN established business with a minimum of 2 years of trading history and an annual turnover of greater than $500k. Other lending criteria will apply.

Does Banjo consider balloon payments?

Banjo does consider balloon payments on a case-by-case basis. A balloon payment is a lump sum repayment at the end of the loan agreement after all regular repayments have been met. Where a loan is eligible for a balloon payment, your regular repayments will be lower, and you will pay more interest over the loan term. Where a loan does not have a balloon payment, your regular repayments will be higher, and you will pay less interest and there will be no lump sum repayment at the end of the loan term.

What type of assets or equipment can I finance?

We offer asset finance for a wide range of vehicles and business equipment to help move your business forward. Some examples include (but not limited to):

  • Vehicles: Cars, light commercial vans, forklifts, trailers, trucks, SUVs and Utes.
  • Business Equipment: Construction equipment, earthmoving equipment, landscaping equipment, manufacturing equipment, medical equipment and waste and recycling equipment.
How long does the application process take?

Upon receiving the application, our team will look to review and provide an initial assessment within 24 business hours . Generally, once loan documents are complete and in order, our team will conduct final checks to enable you to access your equipment.

Who can I speak to about my Asset Finance Excel options?

You can speak with one of our Business Development Managers who are available to help you with any questions or our friendly team on 1300 22 65 65.

Proud to be recognised for our 
award-winning small business loans

Financial solutions for your business

Business Loan Excel

Borrow from $20k to $2m for your business, with flexible terms and a range of repayment options. Simple.
View Details

Business Loan Express

A funding solution for SMEs to access working capital faster with less paperwork.
View Details

Business Loan Bridge

Banjo makes it easy to access the working capital funding you require prior to settlement.
View Details

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.