Value proposition

Helping you write the next chapter of your growth.

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 considering 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. As a result, we can approve more loans. 


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.