At Banjo, we make business lending refreshingly straightforward. With fast approvals, flexible structures, and real customer support so you can focus on your next big move.
Ways we help business to move forward
Seize business opportunities sooner
Quick decisions to keep your plans in motion.
Enjoy a clear, simple process
Straight forward steps from start to finish.
Work with people who ‘get’ business
Lending built for how SMEs really operate.
Why choose Banjo?
Funding from $20k to $5m*
Loan terms up to 5 years
Approvals in as little as 24 hours for smaller loans
Flexible repayment terms, no early payout penalties
A team that’s easy to work with, serious about service, and committed to helping.
For time-critical opportunities, supplier payments, or cash flow gaps.
Fast online application
Approvals in 24–48 hours*
Flexible terms, no early repayment fees
Often no upfront property security
$250k–$1m*
When it’s time to scale or restructure.
Tailored loans up to $1m*
Supports expansion, ATO debt consolidation, or asset purchases
For businesses thinking bigger.
$1m–$5m*
Large-scale funding for acquisitions, stock, site expansions
Fast and practical solutions for complex deals
Here's what you need to begin:
Proof of 2+ years in business
Provide your active ABN or ACN
$500,000+ in annual sales
Business owner must be 18+ years
Business owner must be Australian citizen or permanent resident
Typically, we do not lend to businesses in the property development or regulated utility industries. Generally, the provision of some security will be required for this product.
Banjo is a non-bank lender built for business. We’re a team who help ambitious small and medium businesses access fast, flexible funding. We’ve been supporting brokers and business owners to grow for over a decade with simple processes, quick decisions, and tailored loan solutions.
Banjo provide Business Loans and Asset Finance from $20,000 up to $5 million*, depending on your business needs, financials, and eligibility
Our rates are tailored to each business, based on loan type, amount, and term. Brokers and clients can speak with us directly to discuss specific scenarios.
Not always. Banjo’s loans don’t always require property security. We assess businesses on their performance and potential, not just their assets.
Yes. You can repay your loan early at any time. Depending on the product type, an early repayment adjustment may apply. Many of our clients choose this flexibility as their cash flow improves.
For FAQs specific to our loans, please see banjoloans.com
Speak with a specialist
Need a quick decision? Call 1300 22 65 65. Prefer a call-back? Share a few details below and a Banjo lending specialist will get in touch to discuss your lending needs.
* 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.
