About Us

How can Cigno help you?

At Cigno we can help connect you with our network who can provide you with a financial solution that suits your needs. Together with our network, lenders, financial solutions, services and product offerings may be made available — offering you options which may match your situation.

We respect your precious time, therefore, having made the our Information Form short , easy, and convenient for you. Our 24/7 online platform allows you to complete the information form, whether you’re in the office, at home, or anywhere you may be.

Cigno understands that financial challenges can happen to anyone, at any time. So we don’t turn away customers, even if you are unemployed, retired, or have a bad credit score. We strive to connect every customer to our network regardless of their personal or other circumstances.

Who are we?

Our team at Cigno have many years in the finance industry and we use that experience to connect our customers with a partner who can assist with a suitable solutions.

We believe everyone deserves a fair chance, which is why we strive to connect every customer, through our network, with a suitable solution regardless of their personal or other circumstances.

What do we offer?

With a wide network, Cigno may be able to assist in connecting you with providers who have an appropriate solution for you.

Our process is incredibly quick and easy, we developed cutting-edge technology that allows easy access to our services, with swift and effective service.

Our online platform is simple to use. Just click Find a Solution Now and fill out the information form. We will do our best to help connect you with someone in our network a partner that has a financial solution that suits you.

Our easy online process has been designed to connect you with a suitable partner as quickly and as pain free as possible.

Get Cash When You Need It Through Our Network!


Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat