Panamax Capital

Finance for real needs and opportunities

Explore our lending options, then speak with our team about the terms and documents that apply to you.

Ask about a loan

Salary-Based Loans

Affordable loans repaid directly through your employer. Designed for predictable monthly repayments.

Purpose

For planned or unexpected personal needs.

Who may apply

For employees of participating organisations; assessment and employer arrangements apply.

How we assess it

We review affordability and the employer arrangement before confirming available terms.

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Personal Loans

Flexible loans for school fees, emergencies, medical bills, home needs and everyday essentials.

Purpose

For household and individual expenses, including education.

Who may apply

Subject to affordability and the documents requested during application.

How we assess it

We assess affordability and explain the documents, repayment period and costs that apply.

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Business & SME Loans

Finance that may support stock, cash flow and other working needs for small businesses.

Purpose

For stock, cash flow and business growth.

Who may apply

For businesses and entrepreneurs; business and affordability assessment applies.

How we assess it

We consider the business purpose, cash flow and a suitable repayment plan.

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Agriculture Loans

Finance for eligible farming activities and operating needs across the production cycle.

Purpose

For inputs and operating needs across the farming cycle.

Who may apply

For qualifying farming activities; assessment of the activity and repayment plan applies.

How we assess it

We review the activity, expected cash flow and proposed repayment timing.

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Green Energy Loans

Finance that may help households and businesses acquire solar and energy equipment.

Purpose

For solar and other energy equipment.

Who may apply

Subject to affordability and the proposed equipment or supplier details.

How we assess it

We review affordability and relevant equipment or supplier information.

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Education finance

Personal loans may help cover school fees and other education costs, subject to assessment.

Women-led enterprises

Our business finance offering welcomes enquiries from women-led enterprises and entrepreneurs.

How to get started

Start with an enquiry. The team will explain the next steps for the product and your circumstances.

01

Choose a starting point

Review the options above and tell us what you want to finance. We can help you identify a suitable route.

02

Share your circumstances

The team will explain the information and documents needed to assess your enquiry.

03

Review the terms

If an application can proceed, review the proposed repayments, fees and conditions before deciding.

Ask us about a loan

All applications are subject to assessment. Our team will explain current terms, fees and required documents before you decide whether to proceed.