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Bizcap is Australia’s most open-minded lender, offering fast and flexible business loans of $5K to $5M without up-front credit checks.
Loans of $5K to $5M
Cash flow-friendly repayments
Approvals in as little as 3 hours
No up-front credit checks

Where Small Business Grows Big

in loans funded
small business loans

Business Loans
Made Simple

We’re committed to saying “yes” more often. To qualify for most Bizcap business loans, you’ll need:
An active ABN/ACN
At least 4 months of trading
A minimum monthly revenue of $12,000


Applying online takes less than 5 minutes and gives us everything we need to make an initial assessment.


Our team of loan specialists will assess your application quickly, without running a credit check.


If approved, you can have the funds in your account that day, with a repayment plan that suits your needs.
Award-Winning Loans and Service

Australia’s Most
Open-Minded Lender

Get funds and move on

We make the application and approval process simple so you can get on with business.

Fast and friendly

Get funds approved in as little as 3 hours, plus a dedicated loan specialist who will assist throughout your journey.

High approval rates

Bad credit score? Existing loans? No issues. We look at your business on the whole to assess creditworthiness.

No credit checks

We can make you a conditional offer without running a credit check. That saves denting your score.

Flexible repayments

We offer daily and weekly repayment plans to suit your cash flow.

Early payment discounts

While other lenders penalise you for paying off your loan fast, we incentivise it.
Our Solutions

Fast Business Loans

Alleviate cash flow constraints with fast access to funds.

Small Business Loans

Thinking of growing your business? Think Bizcap.

Secured Business Loans

Larger loans with flexible repayment terms.

Bridging Finance

Plug cash flow gaps at heavily reduced rates.

Line of Credit

Have funds at your fingertips whenever you need them.

Speak to a Loan Expert

Call now to speak with a Bizcap Loan Specialist. They can talk you through the options that best suit your needs.

Why Small Businesses Keep Coming Back

Understanding the Bizcap Solutions For Your Clients

How a Spud Farmer Made $400,000 With Bizcap’s Help. The Alternative: Losing Everything

Planting season was almost over and Nicole, strapped for cash, couldn’t get spuds into the ground. When her bank wouldn’t help, she turned to Bizcap.

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‘The Meat Game’s Ruthless’: How Bizcap Loans Helped a Butcher Shop Make Ends Meet

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How a Bizcap Loan Helped Drive a Double-Digit Increase in Revenue at a Bakery-Café

The husband and wife owners fast-tracked renovations and purchased new equipment, driving increased sales.

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Bizcap Added $250K to an Existing Loan, Enabling a Fashion Wholesaler to Capitalise on a Surge in Sales

Facing an inventory shortfall, a fashion wholesaler secured Bizcap funding and enjoyed a prosperous Christmas sales period.

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As Income Stalled, This Plumber Leveraged a Bizcap Loan to Pay Wages and Suppliers

“We probably wouldn’t still be around if it wasn't for the loans and help we got from Bizcap,” said the small business owner.

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How Bizcap’s Fast Funding Empowered a Developer to Snag a New Property

A race against time, a call to Bizcap and an $800K loan funded that day. Discover how Bizcap’s unbeatable speed opened doors for a Sydney business owner.

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How This Book Shop Diversified Its Inventory To Capture New Customers

Briar Simmons turned the page on traditional lenders, growing her business with Bizcap's help.

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How a Mechanical Workshop Overcame Cash Flow Issues With a Bizcap Loan

Aaron was unsatisfied with his business bank, so he turned to Bizcap, where he found great service and fast access to cash.

Read More

How Bizcap Helped a Telco Ride Out the Delayed COVID Wave

A Telecom business deemed essential during COVID faced a delayed impact. Bizcap's flexible loans supported cash flow, proving highly valuable.

Read More

How a Bizcap Loan Breathed Life Into Marco’s Dying Toy Store

Marco’s business had hit rock bottom, but with the help of a Bizcap loan, it got back on track and doubled in size.

Read More

This Show Bag Business Nearly Doubled Its Turnover With Bizcap Loans

With help from Bizcap, this show bag business has been able to thrive, despite the global pandemic and changing market conditions.

Read More

Ready To Apply?

Start gaining the benefits of a Bizcap business loan today!

Get in Touch

Monday to Friday: 8:30am to 5.30pm AEST
PO Box 195, Balaclava VIC 3183

What type of loans does Bizcap offer?

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.

How much can I borrow from Bizcap?

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.

How quickly can I get a business loan from Bizcap?

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 you need funds sooner, let your Loan Specialist know and they can fast track your application. This quick turnaround ensures our customers get access to the funds they need to meet their obligations and grow in a competitive market.

How quickly can I get funds into my account?

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 you need funds sooner, let our Loan Specialist (or Business Development Manager for partners) know and we can fast track your application.

Delays can occur when customers provide partial or inaccurate information or supporting documents. To ensure your loan is processed as quickly as possible, be sure to provide accurate and complete information.

How can Bizcap fund loans faster than other lenders?

Bizcap sets itself apart from other lenders in the speed at which we offer business loans. We can do because we are a direct lender and self-funded, which cuts the red tape that’s typically involved in processing loans, and thanks to our streamlined application, approval and end-to-end processes.

Traditional banks can often take weeks to provide an outcome for a business loan application. Non-bank lenders, while generally faster than banks, can still take several days to process fast business loans. In contrast, Bizcap can grant you access to the capital you need in less than 24 hours. This exceptional speed makes Bizcap the fastest business lender in Australia and New Zealand.

What can hold my business loan application up?

The key factor that can hold up your business loan application is delays in providing us with the necessary documentation. You need to submit your business bank statements as part of your online application, but after we have made you a conditional offer we may require further documentation. The sooner you can get that to us, the sooner we can issue you with a business loan.

Bizcap prides itself on being a low doc lender, meaning we require fewer documents for business loans than other lenders, including both banks and non-bank lenders. This streamlined approach enables us to expedite the business loan application process, but it is still essential for applicants to provide the requested documentation in a timely manner.

How does the process work?

We leverage our proprietary technology system and extensive underwriting experience to provide outside the box solutions. This lets us lend to customers who come from all walks of life and a multitude of industries.

After you complete your application (a simple form that includes your details and business bank statements), we assess your file without running a credit check and make you a conditional offer.

Once you’re happy with the loan terms and wish to proceed, we might gather some extra information, including a credit report, to make you an unconditional offer. Funds are often issued that day.

What are Bizcap’s rates and fees, and how are they determined?

We consider each applicant’s cash flow, payment history and financial strength to determine a risk-adjusted repayment plan that’s tailored to that applicant.

Payments are determined by factors such as the amount and consistency of the business’s cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds. We also charge an establishment fee on the loan, which is agreed upon upfront.

Unlike other lenders, we won’t penalise you for settling your loan early, if that’s what you choose to do. Instead, we’ll reward you for paying it off early, by giving you a discount.

What criteria do I need to meet to apply for a Bizcap loan?

At Bizcap, we have established minimum eligibility criteria to ensure that our business loans are accessible to a broad range of businesses. Each loan has different eligibility criteria.

For Bizcap Fast and Small Business Loans, you will need:
1. An active Australian Business Number (ABN). This demonstrates that your business is operating legally in Australia.
2. At least 4 months of trading. This helps us assess your business’s stability and potential for growth.
3. A monthly revenue of at least $12,000. This criterion helps us determine how much we can lend you, as well as your ability to manage and repay the loan.

By meeting these criteria, you can confidently apply for a fast business loan with Bizcap, knowing that our financial solutions are designed to support businesses like yours.

To find out the eligibility criteria for Bizcap Secured Business Loans, Bridging Finance and Line of Credit, please refer to the Eligibility section of our Compare Solutions table.

What factors affect the loan application approval?

Factors that affect whether or not your loan is approved include how long the business has been trading, its revenue history, assets and credit history. We also look at the business owner and various other factors to help us build a comprehensive profile of the applicant. It is thanks to this approach of truly getting to know the customer that Bizcap can help in ways that other lenders won’t.

What if I only need a business loan for a few weeks?

If you only need a loan for a few weeks, Bizcap can help by providing a loan that’s tailored to your needs and circumstances. Our business loans are a flexible solution to bridge cash flow gaps, make quick purchases, or address other short-term financial requirements.

We understand that businesses sometimes need short-term financial support, which is why we offer business loans with varying terms. If you know that you will only need a loan for a brief period, just let us know, and we can structure your loan accordingly. Businesses who qualify for our Bridging Loans can receive up to 65% off our standard rates.

What’s more, we appreciate responsible borrowing and timely repayment, so we offer discounts for settling loans early. By taking advantage of this incentive, you can save on interest while still addressing your short-term financing needs.

What can I use the funds for?

You can you use the funds for any business purpose. Our customers generally use the funds for:
- expansions, renovations and unexpected repairs
- purchasing stock, inventory and equipment
- marketing
- hiring employees
- expenses and investments
- cash flow and growth

What are the interest rates, and how are they determined?

The interest charged by Bizcap on business loans is determined by a factor rate, which is a fixed fee that is applied over the term of the business loan. The factor rate Bizcap applies to your loan takes into account your business’s creditworthiness, the duration of the loan and the intended use of the funds, and therefore varies from one loan to the next.

As you build a relationship with Bizcap, demonstrating your ability to reliably and punctually pay off your loan, the factor rate will likely decrease.