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Webinar

Cashflow: 
The Oxygen 
of Business

Watch Now

WATCH NOW

Available on-demand
Give your clients the confidence to breathe easier.

Cashflow challenges are one of the most common pressure points affecting SME stability, and one of the biggest opportunities for brokers to add value. Yet cashflow is often misunderstood, oversimplified, or explained inconsistently.
This session gives brokers a practical understanding of how cashflow really works, why it behaves the way it does, and what experienced credit decision‑makers look for when assessing a business.

With Banjo’s insight into real SME lending scenarios, this webinar brings clarity to a topic that underpins every successful funding conversation.
What You'll Learn:
  • Understand the core mechanics of cashflow and the drivers that influence it
  • How the business lifecycle influences cashflow behaviours and funding needs
  • Gain an “under‑the‑hood” look at how Banjo’s credit team assesses cashflow in applications
  • Practical examples drawn from real case studies and lending scenarios
  • Tools and insights brokers can use immediately in client discussions
Meet Your Speakers
  • Andrew Ward – Chief Risk Officer​
  • Brendan Widdowson – Chief Commercial Officer 
  • Jane Martini – Senior Credit Manager 
Brendan, Andrew and Jane bring a combined commercial and risk perspective, offering brokers a rare opportunity to hear how cashflow is interpreted inside a lender, and what factors support a stronger, more efficient application.
Why Watch?
Because understanding cashflow is one of the most powerful ways to support a business.

Meet our speakers

Andrew Ward, Banjo Loans Chief Risk Officer headshot
Andrew Ward
Chief Risk Officer
Banjo Loans
Andrew is Banjo’s Chief Risk Officer, with deep expertise in business finance and credit risk. A Chartered Accountant with experience at a major Australian bank, Andrew has helped shape innovative lending solutions for SMEs. Passionate about supporting business growth, Andrew combines strategic insight with a practical approach to help brokers and their clients succeed.

Brendan Widdowson, Banjo Loans Chief Commercial Officer headshot
Brendan Widdowson
Chief Commercial Officer
Banjo Loans
Brendan is Banjo’s Chief Commercial Officer, leading the Distribution Team. With a strong background in SME lending, credit information and B2B payments, Brendan brings a wealth of experience from roles in Australia and the UK. He’s committed to helping businesses thrive by delivering smart, tailored solutions for brokers and their clients.

Jane Martini
Senior Credit Manager
Banjo Loans
Jane is a Senior Credit Executive at Banjo Loans, with more than 36 years of experience in business banking, credit and risk. After starting her career at a major Australian bank, Jane developed deep expertise in relationship management and complex credit decision‑making. She brings a practical approach to delivering strong outcomes for brokers and their clients.
FBAA, CAFBA and MFAA CPD Points Available
There is a survey at the end of the webinar that you can complete in order for you to receive your CPD Points via email after the webinar.

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award-winning small business loans

Our commitment to you

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* 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.