Know your borrowing potential within minutes.

Know your borrowing potential within minutes.

FASTER FINANCE FOR HOW BUSINESS REALLY WORKS

Keep your business on the go with Banjo 

Loans from 
$20k to $2 Million
Access funds in as little as 24 hours*
Competitive 
unsecured^ rates
Flexible loans up to 3 years
BANJO KNOW HOW BUSINESSES ROLL

Seasonal cashflow challenges?

Working capital needed to fill a gap? 

Good forecast, need to fund growth?

Banjo could be the solution you need right now.

Get started

Get started

Simply check your eligibility

BEFORE YOU BEGIN WE NEED SOME BASIC DETAILS:
An active ABN or ACN
At least 2 years in business
$500k+ in annual sales
Your Australian drivers licence
Business bank account details

Apply in three simple steps

AN EASY APPLICATION PROCESS DESIGNED WITH YOU IN MIND:
Apply online
Apply online
Book a 15 Minute Chat
You’ll speak directly with a Banjo lending expert. In just 15 minutes they will assess if Banjo can help you with your funding needs.
Get Approved
Days, not weeks
We’ll let you know how much you could be eligible for and show you the best options when it comes to repayment terms and rates.
Receive your funds
Cash in your account in as little as 24 hours
Once approved, the money will be deposited into your account within 48 hours.

Get Started

No endless back and forths. No waiting weeks or months to get a decision.

We simply need a few details from you

What customers are saying about
their Banjo experience

  • 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.

    Director, 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, Farmer

We help a broad range businesses to grow and reach their potential

Manufacturing
Hospitality
Transport
Logistics
And more!

Enquire now

UNDERSTANDING BANJO WORKING CAPITAL FINANCING

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).

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.

Faster finance when you need it most

Working Capital Express could be the business solution you need right now.

Get started

How does Banjo compare?

HANDY GUIDE TO FIND A FAST WORKING CAPITAL BUSINESS LOAN
banjo-logo
Traditional

Funding
Get approval in hours, or days, not weeks.
Talk with the decision-maker who creates your loan.
Flexible payment terms to suit your business.
You always get the best rates
Speak directly with a lending specialist, not a chat bot

See full comparison

Banjo Loans
Traditional Funding

Fast decisions

Get approval in hours, or days.
It can take weeks to get approval.

Easy apply

Speak directly with a lending specialist, not a chat bot.
Spend hours collating information & on hold to call centres.

Great rates

We give you our best rate.
We give you our best rates.

Speak with the lender

Talk with the decision-maker who creates your loan.
Spend hours in approval loops.

Flexible payment terms

Pay weekly, fotnightly or monthly for up to 3 years.
Rigid deals with unfavourable conditions.

Helping hard working Australian businesses to continue to grow

A BIT ABOUT BANJO LOANS BECAUSE WE KNOW YOU’RE IN A HURRY
We’re a team who understands that small to medium-sized businesses are the engine room of our economies, cities and communities. Our mission is to power their growth through simple, smart financial solutions. Banjo makes it easier for businesses to access the right finance they need to move forward. We’re proud to assist in helping businesses to reach the next chapter in their development and success.

Let's talk

banjo-logo
* 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 © 2023 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.
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