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Business Loan Solution Guide

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OverviewBanjo Business Loan ExpressBanjo Business Loan Excel
DescriptionWhen speed matters, Banjo Business Loan Express gives established SMEs access to funding through a streamlined bank statement assessment process.When a business has a larger or more complex funding requirement, Banjo Business Loan Excel leverages detailed financial information to deliver tailored lending outcomes.
Loan amounts$20k-$750k$20k-$2m
Up to $5m across related ABNs
Loan terms12, 18, 24, 36, 48 or 60 months
RepaymentsWeekly or fortnightlyWeekly, fortnightly or monthly
Minimum application requirements• 12 months linked bank statement data
• ATO portal statements (ITA, ICA and Super Guarantee)		• 12 months linked bank statement data
• ATO portal statements (ITA, ICA and Super Guarantee)
• 2 years of accountant prepared financials
• Year-to-date management accounts
• Latest BAS
• Aged debtor and creditor listing

On request:
• Corporate structure chart
• Cashflow forecast
• Director statement of position
Minimum security• Director Guarantee/s

Loans >$250k:
• General Security Agreement (GSA)		• Director Guarantee/s
• General Security Agreement (GSA)

On request:
• Registered caveat or mortgage
Indicative Pricing Structure*AAAAAABBBC
Annual Percentage Rate (APR)13.95%18.95%22.95%26.95%29.95%34.95%
Simple Annual Rate (for 12 month loan term, weekly repayment)7.22%9.93%12.06%14.24%15.91%18.72%
Qualifying CriteriaAAAAAABBBC
Annual turnover$10m+$5m-$10m$2.5-$5m$500k-$2.5mRefer to Banjo credit policy minimums.

48 and 60 month loan terms not available
Time in business5+ years2+ years
Equifax score850750700650600
Property backedRequiredNot required
Excluded industriesProperty Developers, Pre-Farmgate Agribusiness, Utilities, Mining, Metal or Explosive Manufacturing, Taxi & Ride Share, Tobacco, Nightclubs, Adult, Gambling Activities and Not for Profit
Credit CriteriaAAAAAABBBC
Credit historyClean credit historyMinimal or immaterial derogatoriesSome derogatories
Bank statementsNo dishonours past 12 monthsNo dishonours past 6 monthsImmaterial dishonours
ATO portalNo ATO arrearsManageable arrears with payment plan in place
High cost lendersNone within last 12 monthsNone within last 6 months
Loading adjustmentsConstruction and Transport, Postal and Warehousing industries attract a loading. Business Acquisition, Debt Consolidation, and Tax Payment loan purposes attract a loading.
The rates and criteria above are indicative only. Unless stated otherwise the interest expense is charged as a fixed fee which accrues upfront and is payable in graduated instalments. The base Annual Percentage Rate (APR) is based on the Qualifying Criteria. For Credit Criteria not met, a loading of +2% is applied up to a maximum of +5% to APR, at Banjo's discretion.
Fees & Charges*
Origination feeA base amount equal to the Referral Fee (used to pay the Referral Fee see below)
Early repayment feesExpress and Excel - no early repayment fees apply*
Other feesOther fees and charges may apply, for example direct debit dishonour fees and costs relating to registration of securities
*The borrower only pays a pro rata of the instalment of the interest cost for that payment period.
Referral Partner Commissions
Referral fee0-4% of the net new loan amount for new and returning clients, as agreed with the Referral Partner, charged to the client as an Origination Fee
PaymentReferral fees 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.