Relationship focused,
customer driven

Why Judo

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Trust and Transparency

Purpose built solely for SMEs from a blank piece of paper through the eyes of a customer.

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Relationships

Every business is unique and should be treated that way. Relationship lending as it used to be…. as it should be.

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Certainty and Speed

Deal directly with the decision maker. One to approve and two to decline a loan. Decisions in less than five days.

Reintroducing the empowered relationship manager...

Our customers deal directly with the decision maker who is empowered to assess each application on its merits – the quality of the business and the people running it. Our lending philosophy is what sets us apart, underpinned by the principles of the ‘four C’s’ of credit – character, cash flow, capital and lastly collateral. This is in contrast to the obsession most lenders have with ticking the collateral box first.

Our customers don’t get a call centre number; they get direct, regular contact with their own relationship manager who will get to know their business inside and out and be well equipped to tailor-make financial solutions fast, that match their individual needs, rather than a one size fits all approach.

Our solutions have been tailored to support the needs of our customers and their business financing requirements. We are continually expanding our product range to ensure our customers have access to exactly what’s right for them.

 

Judo’s SME Banking Insights Report 2018

The SME Banking Insights Report 2018 is an independent survey that talked to 1,750 SME’s on their experience when it comes to borrowing money. This report was commissioned in conjunction with East & Partners, to provide deeper insights and generally raise awareness of the challenges facing SME’s.

To learn more about the 2018 Judo SME Insights Report, please contact us at 13 JUDO


Our Solutions

We provide business lending solutions ranging from ~ $250,000 to $5,000,000 for small to medium businesses. Our team of experienced relationship banking specialists are currently located in Melbourne and Sydney with plans to roll out nationally over the coming months.

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Business Loan

A term facility repayable over an agreed period of time

  • Flexible repayment frequency
  • Fixed and Variable interest options
  • Interest only term available

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Line of Credit

A facility allowing the drawing up to the approved limit

  • A flexible source of funds
  • No scheduled repayments
  • Variable Rate

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Equipment Loan

A facility to assist funding of business equipment or vehicle purchases where a charge is taken over the asset

  • Flexible repayment frequency
  • Balloon option available
  • Tax benefits – may be able to claim depreciation and interest charges

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Finance Lease

A facility to assist funding of business equipment or vehicle purchases on a lease arrangement

  • Flexible repayment frequency
  • Residual value in line with effective life of asset
  • Tax benefits – you may be able to claim repayments

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Home Loan

A flexible home loan to complement your Judo business lending

  • Choice of Variable or Fixed interest rate
  • Flexible repayment options
  • Tailor repayments with a choice of either principal and interest, or interest only

Judo Market Base Rate
as at 1st November: 1.90% p.a.

The Judo Market Base Rate is the variable indicator rate for our business loan and line of credit solutions.

The Judo Market Base Rate is repriced monthly.  It is current as at the 1st of each month for that month.  It is determined as the average of the 1 Month BBSY Bid rate for the last five days of the prior calendar month, rounded to two decimal places, as sourced on Thomson Reuters page “BBSY”.

More info