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

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Knowledge hub


Banjo offers a choice in repayment cycles that fit in with your cash flow cycle – weekly, fortnightly or monthly.

Yes, you can prepay a loan at any time. If you do, you will only need to pay the next scheduled repayment and any outstanding principal or other amounts.

No, there are no other charges or costs if you take a standard loan and comply with the terms of your loan.

If you are required to provide security as a precondition to a loan, we may charge fees relating to the registration of a security. We will obviously notify you if this is relevant prior to you entering into a loan.

The only other charges that may apply are dishonour/late fees and default interest (which will only apply if you fail to pay a scheduled repayment on time) and our enforcement costs if you default. If you are in default, instead of requiring you to repay your loan at that point we may charge an additional risk margin (but will always give you prior notice and an opportunity to avoid that additional margin by repaying the loan instead).

Our experienced client representatives will work proactively with the business to find a positive solution. We highly recommend you give us a call immediately after any changes in your business that would impact your financial situation. This allows us to work towards a solution with you. It may involve an amendment to the contract or developing alternate options.

If a business defaults on the loan, Banjo has many rights and you should refer to the loan and, if applicable, any security agreements for more detail. Generally, a business will be charged default interest on any overdue amount and fees in relation to any rejected payments. Banjo may also apply an additional risk margin in respect of future payments or have the remaining scheduled repayments re-rated.

If the default is serious, Banjo may demand repayment of the loan and may take action to recover the funds (including referring the debt to a third party debt collection agency for recovery action). We may elect to report defaults to credit reporting agencies.

No. You’ve given us all the information first time round. Re-applying for a new loan generally only involves checking that the information you previously provided is still valid and up-to-date, unless a certain time has passed since your initial application. You’ll then give your consent and hit the submit button.

By providing your login details, you are giving us authority to download and assess your business bank transactions on a “Read Only” basis. Analysis of bank statement history is part of our process and it’s all done automatically. All communications within our application are encrypted using a commercially available cryptography. We cannot see your username or password and cannot transact on your account. We only read basic account ownership information such as the account name and registered address.

We will collect, use, hold and disclose your personal information in accordance with the Australian Privacy Principles, the Privacy Act 1988 (Cth) (Privacy Act) and our privacy policy.

For the most recent copy of our privacy policy, please visit

Yes, checking the Director(s) profile/s with a respected credit agency helps us in making responsible lending decisions.

Background checks are necessary to meet regulatory requirements. They’re also part of Banjo’s credit assessment process.

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.