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.

Credit

Lending

Banjo

Guy Callaghan

Stephen M.

Bhavi Chadha

Luke Ryan

Nick Rogers

Rochelle S.

Peter Ayton

The Credit Team at Banjo is responsible for assessing loan applications and determining creditworthiness by analyzing both traditional and non-traditional data sources. They evaluate potential borrowers based on business activity and industry insights to provide quick approvals and customized financing solutions, enabling small businesses to access essential capital for growth. By prioritizing customer partnerships and offering flexible loan options, the team ensures a supportive and efficient lending experience.

Credit Team

Credit Team

About

Team members