We Are Standing Behind Australian Businesses During COVID-19.

Based on the advice of Victoria’s Chief Health Officer, stage 3 "Stay at Home" restrictions are being reinstated across metropolitan Melbourne and Mitchell Shire from 11:59 pm on Wednesday 8 July. Not the news any Victorian or business owner was hoping for. Judo Bank understands the need for all of us to play our part in trying to suppress COVID-19 in Australia. As always, we stand alongside all our customers and the SME business community. Stay safe.

Australia's Dedicated SME Business Bank.

Judo Bank is a SME challenger bank purposefully built to make it easier for Australian businesses to get the funding they need and the service they deserve.

Relationship Banking

Business Loan
Line of Credit
Equipment Loan
Finance Lease

Online Deposits

Personal Term Deposits
SMSF Term Deposits
Business Term Deposits

At Judo Bank we’re determined to give Aussie businesses a fairer go. We believe that in business, relationships matter; it’s why our business bankers take the time to truly understand you and your business, face-to-face.

A bank that likes to say yes to businesses

Australia’s first SME-focused challenger bank

At Judo Bank, we’re bringing back the craft of relationship banking to transform banking for Australia’s small and medium-sized businesses. Built from the ground up by a small group of deeply experienced and highly credentialed business banking professionals, Judo Bank is providing a genuine alternative for SMEs to secure the funding they need and the service they deserve.


Largest capital raise in Australian history


Loans to small & medium-sized businesses


Judo Bank Staff

Our Solutions

We provide business lending solutions starting from $250,000 for small to medium-sized businesses. Our team of experienced business bankers are currently located in Melbourne, Sydney and Brisbane, with many more locations to come.

We are delighted to introduce the 2019 Annual Review

Our first since being granted a full unrestricted banking licence in April. So much has happened in the last twelve months, it would be an understatement to say 2019 has been a big year.

Learn more
Judo Bank 2019 Consolidated Financial Results
Click to learn more

Judo Bank, in the words of our valued customers.

“Judo was commercial in their approach, listened to my unique circumstance, and tailored a solution that exceeded my expectations."

Cole McInnes, Dealer Principal John Deere

Judo Bank in the News

16 June 2020

George Lekakis

Judo schemes policy to dodge Zombie debt shock

Judo Bank co-founder and CEO Joseph Healy is lobbying the Federal Government to advance the case for a new financial scheme to help small businesses ride out the impact of the Covid-19 economic crisis.

Judo has been circulating a discussion paper among key ministers of the Morrison Government, including Treasurer Josh Frydenberg and small business minister Michaelia Cash, which stumps up policy options for dealing with the mounting debt challenges of Australian small businesses.

It includes a proposal to establish a new investment scheme where governments and private sector institutions invest in special debt instruments to replenish the capital resources of SMEs as they try to rebuild their businesses.

11 June 2020

Fintech Finance Magazine

‘Getting to grips with SME banking’ – Joseph Healy, Judo Bank in “The Fintech Magazine”

In judo, you lift and throw opponents on their backs, pin them to the ground and apply various chokeholds or joint locks until they submit. It’s what SMEs might like to do to big banks. But Judo Bank’s co-founder Joseph Healy, has a better idea…

Judo is all about using speed and agility to out-manoeuvre opponents bigger than you. What better name, then, for a challenger intent on running circles around what it sees as the lumbering giants of SME banking in Australia?

As the country emerges from the COVID-19 pandemic, facing a predicted 10 per cent contraction in GDP as 30 years of growth ends in what’s been described as ‘a shattering, warp-speed recession’, two-year-old Judo Bank (formerly Judo Capital) has flexed its junior muscles and honed its ‘high-touch, high tech’ technique to deliver real change.

2 June 2020

Small Business Connections

How to future proof your business’s finances according to a risk management expert

With many small-to-medium businesses feeling the lockdown pinch and uncertain about their recovery post-corona, we turn to risk management expert Jacqui Colwell from Judo Bank. With over 30 years of experience in financial services, Colwell shares her insights on how to navigate the path ahead and manage future market risks.

Q&A with Jacqui Colwell, Chief Risk Officer and Co-Founder, Judo Bank

© Judo Bank™ 2019 | All Rights Reserved | Judo Bank Pty Ltd | ABN 11 615 995 581 | ACL and AFSL 501 091 | This information is of a general nature only and does not take into account your objectives, financial situation or needs. In particular, you should seek independent financial advice and read the relevant terms and conditions and relevant product documents prior to making a decision. | Past performance is not an indication of future performance. | Eligibility criteria, fees and charges and terms and conditions may apply to Judo Bank’s products and services