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As a finance broker, your SME clients look to you for more than access to funding—they rely on your insights to stay competitive and capitalise on growth opportunities.

Australia's retail calendar offers key seasonal surges that can either stretch their resources or elevate their success. Your role? Help them get ahead of the curve.

Why brokers should align funding conversations with the sales calendar

Many SMEs don’t proactively plan for seasonal peaks—especially if they’re juggling day-to-day operations. But as their broker, you can help them think ahead:
  • Are they a retailer prepping for EOFY or Black Friday?
  • A florist gearing up for Valentine’s Day or Mother’s Day?
  • A supplier stocking up for Back to School?
  • A hospitality venue planning for Christmas functions?
Each season comes with increased costs—forward-purchasing stock, hiring casuals, running marketing campaigns. A well-timed business loan or working capital solution could be the difference between missed opportunity and strong growth.

When to start the conversation

Here's a rough guide on when to engage:

Retail Event

Ideal funding converstion timing

Valentines Day (Feb)

November - Early December

Easter (Mar/Apr)

Late December - January

EOFY Sales (June)

March - April

Fathers Day / Spring (Sept)

June - July

Black Friday (Nov)

July - Early August

Christmas & Boxing Day

August - Early September

How to help them be funding ready

  • Educate: Share insight about the typical lead times for funding.
  • Prompt: Ask clients about stock orders, staffing, or promotions they’re planning.
  • Guide: Help them gather key documents early—BAS, bank statements, updated financials
  • Match: Recommend the right product—short-term business loans, asset finance, or lines of credit.
Position yourself as a proactive partner by offering:
  • Seasonal funding check-ins with clients
  • Quarterly planning emails tied to the sales calendar
  • A supplier stocking up for Back to School?
  • Insights from previous years on funding-to-sales return
In a market where timing is everything, the brokers who support their clients early and often will be the ones who stand out. Use Australia’s sales calendar as a conversation starter—and help your clients to move business forward.
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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.