Partner With Bizcap To Empower SMEs

Bizcap specialises in providing fast and flexible business loans to small and medium-sized businesses. Our solutions include Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and Lines of Credit. Our loan sizes vary from $5,000 to $5,000,000 and Lines of Credit are available up to $300,000. Compare our solutions here.

Bizcap offers business loans of $5,000 to $5,000,000 and Lines of Credit up to $300,000. To find out more about each of our loans, compare our solutions.

The specific amount of your business loan is influenced by factors like your business's cash flow, operational duration, assets, and loan purpose. We assess these aspects to gauge your business's health and creditworthiness. Our aim is to offer customized loans that address each business's unique financial needs, minimizing risk for both parties. By thoroughly evaluating factors contributing to your business's financial health, we determine an appropriate loan amount and terms to support sustained growth and success.

Pre-settlement: If your client is not satisfied with the loan approval, please contact us to explain their specific needs. We will work collaboratively with you and try our best to address their needs.

Post-settlement: Customers are eligible for renewal once 60% of the loan term is reached and top-ups 20% into the loan term, assuming a good repayment history.

We regularly check in with our customers to see whether they need access to more capital. However, if you have a client that you know would like additional funding, please contact us directly.

At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast and Small Business Loans can be approved within 3 hours and funded that day. Our other solutions can be issued in as little 24 hours. If your client need funds sooner, let your Business Development Manager know and we can fast track their application.

Loans are repaid through daily or weekly direct debits from the business’s bank account (excluding weekends and holidays) for the term of the loan, which can range from 3 to 12 months.

There are two ways to fund deals with Bizcap:

1. Tick ‘n’ Flick: Diversify your business without becoming an expert in small business lending. Simply refer clients to us and a dedicated Loan Specialist will support them from application to settlement, whilst keeping you in the loop. We have a higher conversion rate when our Loan Specialists close the deals on your behalf, and your commissions don’t change.

2. Broker Managed: Prefer to handle the relationship with your clients? We’ll educate you in our solutions and connect you with a Business Development Manager to help you close the deal.

Our primary considerations include:
- The overall health of the business’ cash flow
- The business’ average end-of-day balances
- Frequency and volume of monthly deposits

Our secondary considerations include:
- Time in business. To be eligible for a loan, most businesses need to have been trading for at least 4 months
- Loan repayment history with other lenders

For more details on eligibility, please view our Broker Cheat Sheet or consult a Bizcap Business Development Manager.

Bizcap is the most open-minded lender in Australia and New Zealand. Our efficient end-to-end processes enable us to offer loans incredibly fast, approving them in as little as 3 hours and funding them that day.

We tailor loans to the individual needs of each business and offer cash flow-friendly repayment plans. Customers who need bridging finance can secure loans at heavily discounted rates. Dedicated to saying “yes” more often, we welcome businesses with poor credit scores, existing loans, judgments and defaults, including those who have been rejected by other lenders.

Our customers are overwhelmingly satisfied with our products and services, accrediting us with a 4.9/5 Trustpilot rating.

In recognition of our partners’ expertise, we offer industry-leading commissions with no clawbacks. For more details, consult our Broker Cheat Sheet.

We can make conditional offers without running a credit check. Simply call us or fill out the Partner form above, and we can discuss the scenario with you.

There are various scenarios in which small and medium-sized businesses come to us for a loan. They may be facing cash flow issues or looking to grow their business. Perhaps they’re facing a short term opportunity for which they need cash fast.

SMEs might also come to us after being declined from another lender for one or more of a whole host of reasons, including a poor credit score, defaults, judgments, ATO debt or existing loans. These business owners contact Bizcap knowing we are Australia’s most open-minded lender. With our commitment to saying “yes” more often, we look at a combination of qualitative and quantitative factors to assess creditworthiness and can therefore offer solutions that address their business needs whilst offering cash flow-friendly repayment plans.

In some cases, customers may have damaged their credit score by shopping around, and know that we can make a conditional loan offer without running a credit check, thereby avoiding denting their score further.

We also have customers who received loans from other lenders but not as much as they needed, and are hoping to top that up with additional funds.

Bizcap can fund deals that other lenders won’t thanks to our innovative credit assessment and risk evaluation methodology, which entails considering a wide array of both qualitative and quantitative factors. We can also do this because we are a direct lender and self-funded, which cuts the red tape that’s typically involved in processing loans.