Unsecured* loans from $20k to $500k

Select up to 4 months interest-expense-only

Cashflow to suit your business cycle

Loan terms from 12 to 16-months

Smooth the ups and downs

Many businesses go through periods of ebb and flow throughout the year. Our Flexi Working Capital loans are designed to help smooth out those bumps, allowing businesses to structure their payments with an interest-expense-only period that aligns with their times of reduced cash flow.


Whether it’s stocking up on inventory, scaling production to win new contracts, investing in marketing or training, or even simply to cover unexpected expenses, our business loans can provide the cash you need to move forward.

I found dealing with Banjo to be very refreshing. They are very quick to process and authorise requests and seem to understand business requirements for growth far better than standard bankers.
Fiona Horman, Regency Media

small business loans

It’s quick and easy

Get started in three simple steps

Apply online

Complete the simple online application in as little as 10 minutes.

Get approved

We’ll review and provide the outcome of your application within a couple of hours.

Receive your funds

If approved, funds can be transferred directly to your account in as little as 24 hours.

Let’s get your business moving

Here’s what you’ll need to get started:

  • An active ABN or ACN
  • At least 2 years in business

  • $500,000+ in annual sales.

Generally, we do not lend to businesses in the agriculture, construction or utility industries.

Flexi Working Capital FAQs

Let's get started

Time in business

Annual revenue

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Financial solutions for your business