When Marco returned to Australia after working overseas, he had just $4,000 and a dream to rebuild. What started as a toy pop-up stall eventually became Ride and Smile Australia—a thriving retail business focused on kids’ ride-on toys. But between COVID-19 lockdowns, cash flow struggles, and the need for quick decisions, Marco knew traditional lenders wouldn’t be the answer.

That’s when he turned to Bizcap.

The challenge

In 2017, Marco had lost almost everything—his business, home, investments, and super. After a stint working in Papua New Guinea to pay off debts, he returned determined to build a new future. He launched a series of pop-up toy stores and slowly grew a profitable business.

But the pandemic had other plans. Lockdowns hit hard, his warehouse lease ended, and with bills piling up and containers of stock on the way, Marco urgently needed capital to keep the business afloat.

He was running out of time and options.

The Bizcap difference

Marco spotted a Bizcap ad and made the call. Instead of being judged solely on credit history or paperwork, Bizcap looked at his potential. He was upfront, committed, and had a track record of repayments. That was enough.

Within hours, Marco was approved for a $12,000 Fast Business Loan to secure urgently needed stock. As his repayments remained solid, Bizcap extended two more rounds of funding, including $20,000 to help him take on a prime retail space. In total, Marco secured $47,000 in funding across three loans.

No red tape. No long waits. Just practical, timely support when it mattered most.

The outcome

With stock secured and his concept refined, Marco launched Ride and Smile Australia, a unique retail experience offering ride-on toys, fully assembled and delivered with a 12-month no-fault warranty. Today, the business is thriving, and Marco is in talks to open two more locations.

“I look back to that first loan—it wasn’t a huge amount, but I wouldn’t have started on this path without it,” Marco says.

Bizcap set me up to start this business, and I’ll always remember that

Why Bizcap Was the Right Fit

  • Speed matters: Funding was approved fast, with no delays
  • Real-world assessment: Bizcap focused on revenue and reliability, not just credit
  • Repeat support: Marco accessed multiple rounds of funding as the business grew

Need fast, flexible funding? If your business is facing a cash flow crunch or growth opportunity, Bizcap is here to help. Get in touch today to see how we can support your next chapter.