Banjo is an online lender providing secured and unsecured loans to small businesses, many of which have no lending product other than a credit card. Because dynamic, innovative businesses often move faster than traditional valuations, Banjo looks at more than just assets and collateral when considering loan applications. By combining alternative data, leading-edge technology, fundamental credit analysis, and AI driven risk models, Banjo is able to obtain a more holistic view of a business’ position. As a result, they approve more loans.
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