Banjo Loans

Banjo Loans Banjo makes it easier for hard-working SMEs to access the finance they need to move business forward As a result, we can approve more loans.

Banjo is an online lender providing secured and unsecured loans to small business. Our customers are the 51% of small business owners who have no lending product other than a credit card. We provide them with an alternative source of capital to balance cash flow and enable future growth. We understand that dynamic, innovative businesses often move faster than traditional valuations.So when conside

ring an application for a loan we look at more than just assets or collateral. We also consider business activity and multiple sources of industry data to obtain a more holistic view of a businesses’ position. We know the needs of a small business can change from one day to the next. So once approved, our customers have access to an ongoing loan facility and can withdraw additional funds without reapplying. We see ourselves as partners with our customers. So we never charge early exit fees if a loan is paid off early. Our loan process has been designed to be as easy as possible, with online applications and a simple fee structure. Loans can be approved in hours and funds deposited within 72 hours. We recognise that business is much more than just numbers. At the heart of every business is passion, ideas, self-belief and a vision of the future. Our goal is to help you achieve yours.

65% of SMEs say cash flow is stable… but 50% couldn’t last 6 months without new revenue. That’s why runway matters.Want ...
29/05/2026

65% of SMEs say cash flow is stable… but 50% couldn’t last 6 months without new revenue.
That’s why runway matters.

Want to see how your business compares?

👉 Access SME Compass Report 2026
https://buff.ly/jgvIPnF

Half of SMEs are worried about interest rate changes. A simple “if rates rise / if rates fall” plan can save you a lot o...
27/05/2026

Half of SMEs are worried about interest rate changes.

A simple “if rates rise / if rates fall” plan can save you a lot of stress later.
The SME Compass Report 2026 breaks down what businesses are doing next.

👉 Access the report
https://buff.ly/jgvIPnF

Banjo CEO, Guy Callaghan, joined the In Focus podcast with Annie Kane to unpack the shifting landscape of SME lending, a...
12/05/2026

Banjo CEO, Guy Callaghan, joined the In Focus podcast with Annie Kane to unpack the shifting landscape of SME lending, and what brokers need to know to stay ahead.

The discussion touched on:
👉 How conflict in the Middle East is impacting supply chain costs and reshaping which Australian industries are thriving and which are under pressure
👉 Key insights from the Banjo Loans SME Compass Report 2026
👉 Practical ways brokers can use Banjo's tools to better support clients now and into the future

If you’re working with SMEs in today’s environment, this is a must-listen.

🎧 Listen to the full episode: https://smarturl.it/ep6hoe

Has there been a more important time to know the pain, plans and performance of Aussie businesses?The SME Compass Report...
20/04/2026

Has there been a more important time to know the pain, plans and performance of Aussie businesses?

The SME Compass Report 2026 gives it to you – a deep dive into the minds business owners.

We spoke to 1,000 owners across 20 industries and every Australian state and territory.

What they said is revealing:
• 83% are kept up at night by a business concern.
• 69% hit their revenue targets last year.
• 67% think inflation will be a barrier to growth this year.
• Confidence is fading about the next 12 months.
• Cash flow management and invoice payments are holding up.
• 42% plan to obtain funding this year.

The SME Compass Report 2026 is the go-to guide for anyone looking to make smart business and finance decisions.

And it’s out now.

Get your copy at https://buff.ly/hUEtcII

There’s a lot of mixed signals right now.Confidence is soft, but businesses are still moving forward. So what’s actually...
16/04/2026

There’s a lot of mixed signals right now.
Confidence is soft, but businesses are still moving forward.

So what’s actually going on?
We’re bringing together Gareth Spence and Guy Callaghan to break it down — using real data, not headlines.

A clear view on:
• Labour and wage pressure
• Where inflation hasn’t eased as much as it looks
• What improving investment signals really mean
• How SMEs should be thinking about the next phase

If you’re having real conversations with clients right now — this will help.

Register here: https://buff.ly/Z1KTxtE

Do you work in a small business, or support those who do?Understanding Australia’s economic climate has never been more ...
13/04/2026

Do you work in a small business, or support those who do?

Understanding Australia’s economic climate has never been more important.

Join Gareth Spence, Head of Australian Economics at NAB, and Guy Callaghan, CEO of Banjo Loans, for a timely, data‑driven discussion on what’s shaping Australia’s economy and what it means right now for SMEs.

📅 When: Tuesday 28 April, 11am AEST
📍 Where: Online

Register now: https://buff.ly/Z1KTxtE

Cashflow is the oxygen of business – and Banjo is here to help you breathe easier.Missed our recent webinar? You can now...
04/03/2026

Cashflow is the oxygen of business – and Banjo is here to help you breathe easier.

Missed our recent webinar? You can now watch “Cashflow: The Oxygen of Business” on demand. Discover practical tips, real-world examples, and answers to the most common broker questions.

Watch now: https://buff.ly/gs8WIny

Brokers are increasingly turning to non‑bank lenders, and Banjo’s latest survey shows why: faster credit decisions and m...
26/02/2026

Brokers are increasingly turning to non‑bank lenders, and Banjo’s latest survey shows why: faster credit decisions and more efficient processes are reshaping lender preference.

Dive into the full findings in the Broker Daily article:
https://buff.ly/mxm1fDr

With inflation sticking like chewing gum on the shoes of the economy, SMEs appear to have cooled on their borrowing plan...
18/02/2026

With inflation sticking like chewing gum on the shoes of the economy, SMEs appear to have cooled on their borrowing plans.

Matched with fewer loan applications, Banjo saw a 64% increase in customers opting to not proceed with borrowing.

We’ve got the latest on the SME market – a snapshot of loan activity, performance and trends to help your business decisions.

As a seasoned non-bank business lender, Banjo’s portfolio serves as a barometer for the state of SME businesses across Australia.

Get the latest from the Banjo Barometer:
✅ Loan applications
✅ Industry trends
✅ Repayments and arrears
✅ Nation-wide snapshot

https://buff.ly/xInzeCw

15/02/2026

Interested in how Banjo credit assessors look at cashflow?

Join Brendan Widdowson (Chief Commercial Officer), Andrew Ward (Chief Risk Officer) and Jane Martini (Senior Credit Manager) for our "Cashflow: the Oxygen of Business" webinar. Deepen your understanding of cashflow and hear practical, real-world examples from a credit perspective.

📅 Tuesday, 17 February | 11:00am AEDT
💻 Online

Register now https://buff.ly/FHVktHU

Address

Melbourne, VIC
3000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300226565

Website

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