Broker

Timing is everything: help your SME clients prepare for seasonal sales surges

2 minute read

As a finance broker, your SME clients look to you for more than access to funding—they rely on your insights to stay competitive and capitalise on growth opportunities. Australia's retail calendar offers key seasonal surges that can either stretch their resources or elevate their success. Your role? Help them get ahead of the curve.

Why brokers should align funding conversations with the sales calendar

Many SMEs don’t proactively plan for seasonal peaks—especially if they’re juggling day-to-day operations. But as their broker, you can help them think ahead:

  • Are they a retailer prepping for EOFY or Black Friday?

  • A florist gearing up for Valentine’s Day or Mother’s Day?

  • A supplier stocking up for Back to School?

  • A hospitality venue planning for Christmas functions?

Each season comes with increased costs—forward-purchasing stock, hiring casuals, running marketing campaigns. A well-timed business loan or working capital solution could be the difference between missed opportunity and strong growth.

When to start the conversation

Here’s a rough guide on when to engage:

Retail event

Ideal funding conversation timing

Valentine’s Day (Feb)

November – Early December

Easter (Mar/Apr)

Late December – January

EOFY Sales (June)

March – April

Father’s Day / Spring (Sept)

June – July

Black Friday (Nov)

July– Early August

Christmas & Boxing Day

August – Early September


How to help them be funding ready

  • Educate: Share insight about the typical lead times for funding.

  • Prompt: Ask clients about stock orders, staffing, or promotions they’re planning.

  • Guide: Help them gather key documents early—BAS, bank statements, updated financials.

  • Match: Recommend the right product—short-term business loans, asset finance, or lines of credit.


Position yourself as a proactive partner by offering:

  • Seasonal funding check-ins with clients

  • Quarterly planning emails tied to the sales calendar

  • Insights from previous years on funding-to-sales return


a market where timing is everything, the brokers who support their clients early and often will be the ones who stand out. Use Australia’s sales calendar as a conversation starter—and help your clients to move business forward.

Ready to assist your clients to capitalise on seasonal sales? Banjo can help you get there

Whether you're a business owner planning ahead or a broker supporting clients through seasonal spikes, having the right funding partner makes all the difference.

Banjo is an online lender offering secured and unsecured loans tailored for Australian SMEs, helping to balance cash flow, seize timely opportunities, and fuel growth. Banjo has supported thousands of businesses since its inception, providing an alternative source of working capital to drive confidence and momentum.

If you're looking to stay ahead of the calendar and unlock your next wave of success, now’s the time to explore your funding options with Banjo.

Banjo makes it easier for businesses to access the finance they need to move forward. Taking them to the next chapter...

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