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Asset Finance Solutions Guide

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OverviewBanjo Asset Finance ExpressBanjo Asset Finance Excel
DescriptionAsset finance with less hoopsFlexible and tailored asset finance solutions
Loan amounts$20k-$750k$20k-$2m
Up to $5m across related ABNs
Loan terms12, 18, 24, 36, 48 or 60 months
RepaymentsWeekly, fortnightly or monthly
Transaction typesDealer, Private Sale, Mid-Term Refinance, Balloon Refinance, Sale & Buy Back, Capital Raise
Asset typesPrimary & Secondary
Minimum application requirements• 12 months linked bank statement data

On request:
• ATO portal statements (ITA, ICA and Super Guarantee)		• 2 years accountant prepared financials
• Year-to-date management accounts
• 12 months linked bank statement data
• Commitment schedule
• ATO portal statements (ITA, ICA and Super Guarantee)
• Latest BAS

On request:
• Cashflow forecast
• Corporate structure chart
• Aged debtor and creditor listings
Minimum security• Director guarantee/s
• PMSI over the underlying asset		• Director guarantee/s
• PMSI over the underlying asset
Indicative Pricing Structure*
Base rate8.75%9.75%10.75%
Annual turnover>$5m$1m-$5m<$1m
Add-onsPrivate sale - 1.00%
Sale and buy back - 1.00%
Capital raise - 2.00%
Loan term of 12 months - 0.50%
Secondary asset - 1.50%
Adverse credit - 2.00%
ATO arrears (overdue and not on payment arrangement for minimum period of 3 months) - 1.50%
Non-property backed - 1.50%
For loans >$1m (per loan or on aggregate) - 0.50%
Credit Criteria
Credit historyGenerally, paid defaults accepted - maximum of $5k (related to telecommunications or utility), and no outstanding court actions
Asset agePrimary assets - 20 years
Motor vehicles - 15 years
Trailers - 25 years
Secondary assets - 10 years
Medical equipment - 5 years

Note: Any asset age outside of the above, please contact your local Banjo specialist
ATO portalIdeally no ATO arrears or manageable arrears with payment plan in place (assessed on a case-by-case basis)
ValuationsAssessed on a case-by-case basis
Qualifying CriteriaBanjo Asset Finance ExpressBanjo Asset Finance Excel
Annual turnover>$250k>$500k
Time in business>1 year and GST registered>2 years and GST registered
Equifax score>550
Non-property owners$20k-$500k - no deposit
$500k-$750k - 10% deposit		Deposit assessed on a case-by-case basis
Industries with restrictionsProperty Developers, Pre-Farmgate Agribusiness, Utilities, Mining, Metal or Explosive Manufacturing, Taxi and Ride Share, Tobacco, Nightclubs, Adult, Gambling Activities and Not for Profit
Fees and Charges*
Establishment FeeDealer, mid-term refinance and balloon refinance - $550
Private sale, sale & buy back and capital raise - $650
Valuation feePOA - Fee to be paid by the borrower
Early payout feeThe borrower will pay the Net Present Value of the remaining instalments of the fixed fee using a discount rate of 20%
*Other fees, lending criteria, terms and conditions apply (including an establishment fee on each advance). Actual fixed fee (or interest expense) and repayments will vary based on individual circumstances. Fixed fee (or interest expense) accrues upfront and is paid in instalments.
Referral Partner Commissions
Loan amount $20k to $75kUp to 8.00%
Loan amount $75k to $500kUp to 6.00%
Loan amount $500k to $2mUp to 4.00%
Add 0.5% to the base rate for every 1.00% over 4.00%.
Referral Partner Commissions are paid weekly following the settlement of the loan.
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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.