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1300 22 65 65

Amplify your franchise potential with flexible, tailored financing

Specialised franchise finance solutions to help you grow your business.
We help franchise businesses with simple, fast and flexible funding solutions tailored to your scaling operations.

Funding to help franchise success

Banjo offers financing options to support:

  • Acquisition of an established franchise
  • Expansion of locations and/or products and services
  • Refinancing of existing funding arrangements
  • Equipment, inventory or new technology upgrades
  • Managing day-to-day expenses and cash flow stability  

    • How it works with Banjo

    A simple, fast and supported Funding Process

    Step 1:
    Discuss your needs
    Share the funding scenario and receive guidance on the best solution and repayment options.
    Step 2:
    Submit the application
    Start the application online and provide the required documents for credit review.
    Step 3:
    Quick decisions provided
    Approved? Sign your loan documents and receive funds within 24 hours.
    Step 4:
    Signed and
    funded
    If successful, loan documents are sent for signing. Once approved, funds are released within 24 hours.

    Ready to apply?
    Let's get started.

    Here's what you need to get started:
    Provide your active ABN or ACN
    Proof of 2+ years in business
    $500,000+ in annual sales
    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.
    Apply Now

    Why choose Banjo?

    • Funding from $20k to $5m*
    • Approvals in as little as 24 hours
    • Flexible terms, including no early payout penalties
    • Deal directly with decision-makers
    • A team that’s here to help you succeed
    • We’re easy to work with, serious about service, and committed to helping build better business.

    Franchise funding FAQs

    What makes Banjo different from traditional banks for franchise lending?

    We offer:

    • Faster approvals and funding
    • Less paperwork
    • Flexible terms
    • A digital-first experience
    • Deep understanding of the franchise ecosystem
    Are there specific franchises Banjo prefers to fund?

    We work with a wide range of franchises, especially those with strong brand recognition and proven business models.

    What are the loan amounts available for franchise lending?

    We offer business loans and asset finance ranging from $20,000 to $5 million* for franchise-related purposes.

    What are the eligibility criteria for franchise lending with Banjo?

    To qualify, applicants must:

    • Be in business for at least 2 years, or be taking over an existing franchise site which has been operating for >2 years
    • For businesses that have been in operation < 2 yrs, this will be assessed on a 'case by case' basis and will depend on franchisee experience and the franchise system*
    • Have a minimum annual turnover of $500,000 (actual or projected).
    Can I apply if I’m a first-time franchisee

    Yes, we consider applications from first-time franchisees, especially those partnering with established and reputable franchise brands. A strong business plan and relevant experience will strengthen your application.

    Does Banjo fund franchise fees and setup costs?

    Yes, we can fund upfront franchise fees, fit-out costs, equipment purchases or initial working capital to help you get your franchise business started smoothly.

    Is there a dedicated team for franchise lending?

    Yes, Banjo has a team experienced in franchise finance who understand the nuances of franchising and can guide you through the process. We invite you to reach out on 1300 22 65 65 to discuss your scenario.

    Can brokers submit franchise lending applications?

    Absolutely, we work closely with accredited brokers and offer support, tools, and fast turnaround to help them serve their clients effectively.

    How do I apply for franchise funding with Banjo?

    Applications can be submitted online via Banjo’s website by clicking here or through an accredited commercial finance broker. Our process is streamlined to minimise paperwork and maximise speed.

    Handy articles and resources

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    Our commitment to you

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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.