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

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Accredited Partners

A partner you can trust

Our accredited Partner Program helps brokers, accountants and advisors deliver more for their clients.


Support when you need it
Full deal transparency
Dedicated client-first approach
Competitive commissions

Build your business whilst growing theirs

As a Banjo Partner, you’ll be connected with your own relationship manager, who’ll be on call to workshop client scenarios and provide support when you need it. Speak directly with credit decision-makers and stay updated throughout the loan process with notifications via email, SMS and through your Banjo Partner Portal. 

Generate ongoing revenue with commissions on both new loans and reborrows.
Find out more

Simple steps towards better business

Apply online
Contact your
relationship manager
Get in touch with your relationship manager to discuss the client scenario you’re working on and for an indicative assessment.
Submit an application
When you’re ready, submit the application via the Banjo Partner Portal. You’ll get real-time updates as the application progresses with status alerts and notifications.
Receive commissions
Commissions are paid within two weeks of a loan being funded. We’ll also notify you when your clients are eligible to reborrow.

It’s better when you’re a Banjo Partner

Start your partnership application today.

Apply Now

Prefer to talk to someone?

Talk to a Banjo Small business finance specialist on 1300 22 65 65

Schedule some quality time and we’ll call you back

Speak to a business loan specialist and talk through your funding requirements.

Enquire Now

Investing in your business is our business

  • 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.

    Founder, Media Company

  • Professional, thorough, detailed and unobtrusive process utilising 2020 IT smarts to minimise the pain of information interchange. I'm sure Banjo is setting the benchmark for monetary loan applications and processes going forward.

    John Bonomi, Britannia Metal

  • Banjo provided us with a seamless process from application through the broker channel to engage directly with senior Banjo personnel. They understood our growth path and were there when we needed them most.

    Chris Egan, Cooee Foods

  • I’m a natural sceptic, so giving Banjo a thumbs up is because they deserve it. From the start, the whole team was patient, knowledgeable, and their procedure is painless throughout.

    Owner/Founder, Farming Industry


Frequently asked questions

How often are repayments?

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

Are there other fees or hidden costs?

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).

What happens if a business can’t repay their loan?

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.

Do I have to provide all the information again when I re-apply for a new loan?

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.

Why does Banjo need me to log into my bank account, and is it safe?

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.

What do you do with my information?

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

Do you check my personal profile with a credit agency?

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

Why do you need to run ID checks on the Director(s) of the business?

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

Who qualifies for a Banjo loan?

Borrowers must generally meet the following minimum criteria:

  1. Registered Australian business and Australian citizen or permanent resident.
  2. The business must be at least 2 years old and have a minimum annual turnover of $500,000.

Other lending criteria will apply. Typically, we do not lend to businesses in the property development or regulated utility industries.

How simple is your application process really?

With only 10 simple online questions to complete, along with identity and data verification, an application takes just minutes. You’ll generally get an answer from us within a few business hours. There’s no paperwork to fill out, and we accept electronic signatures. Finally, once your loan is approved, the funds are deposited in your account within 24 to 72 hours.

What products does Banjo offer?

We offer 6 distinct loan products with varying terms, to suit a broad range of business needs.

Banjo Business Loan Excel – Ideal for fixed term finance such as working capital. The loan term offered ranges from 6 months to 60 months.

Banjo Business Loan Express – A funding solution for SMEs to access funds faster with less paperwork.

Banjo Asset Finance Excel – A flexible asset loan to finance the vehicles or equipment you need to get your business moving forward.

Banjo Asset Finance Express – Hard-working business clients who need asset finance to keep moving, but don’t fit the typical asset finance loan formula, can now apply with Banjo.

Banjo Business Loan Flexi – Ideal for those businesses that have fluctuating revenue and cashflow needs throughout their business cycle. Loan term offered ranges from 12 months to 16 months, with up to 4 months of interest expense only period.

Banjo Business Loan Bridge – A bridging finance facility enabling you to release the funding needed to help move your business forward now.

Where is Banjo based?

Banjo has a national reach, with team members located throughout Australia. Our head office is based in Melbourne VIC.

Who is Banjo?

Banjo is one of the leading online lenders to small and medium enterprises (SMEs) in Australia. We’ve been helping to power SMEs across the nation since 2015. By combining rapid data analysis technology with a personalised relationship approach, we offer our clients the best of both worlds. Our team is wholly Australia-based, and from a range of backgrounds, including some with up to 40 years’ banking experience.

Banjo holds an Australian Financial Services License that allows us to lend to Australian businesses.

Supporting you as you grow

Helpful partner news and insights

Australian Financial Review: Former NAB Execs Raise Millions to Take on Big Four in Small Business Loans with Banjo

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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.