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How Bizcap helped a transport business manage rising fuel costs
Rising fuel costs, outstanding tax debt and limited funding options. Discover how Bizcap helped a transport business secure $20,000 within hours.
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AUSTRALIA'S MOST OPEN-MINDED LENDER
Fast business loans from $5K to $7.5M
Fast loans, secured loans, bridging finance & line of credit – get an answer in 3 hours and funds in your account today.
Loans from $5K to $7.5M
Same-day funding
Cash flow-friendly repayments
No upfront credit checks
Where small business grows big
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
Application
Take 3 minutes to apply online and we'll get straight to your assessment. Add bank statements to fast-track approval.
Assessment
Our team of loan specialists will assess your application quickly, without running a credit check.
Funding
Once 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
Apply in just 3 minutes, link your bank statements, then get back to business. We'll be in touch to discuss your quote.
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.
Zero 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.
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Early payment discounts
While other lenders penalise you for paying off your loan fast, we incentivise it.
Smart solutions for SMEs
Line of Credit
Now lending up to $750K. 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.
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Why small businesses keep coming back
Help your clients secure fast, flexible funding when they need it most
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Queensland fencing company supports cash flow with Bizcap business loan
Discover how a Queensland fencing company secured a Bizcap business loan to support cash flow, manage expenses, and keep the business moving forward.
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Queensland fencing company supports cash flow with Bizcap business loan
Discover how a Queensland fencing company secured a Bizcap business loan to support cash flow, manage expenses, and keep the business moving forward.
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Inside a $1.6 million cash flow bridge for a civil infrastructure company
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$500k fast: How a commercial property services provider secured working capital quickly
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How fast funding helped a Tasmanian beverage business manage cash flow after an unexpected setback
When an unexpected disruption put pressure on cash flow, a beverage business secured a $10,000 Fast Business Loan to stay operational and avoid project delays.
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How a Sydney training academy secured a $30k Bizcap Line of Credit after expanding
After expanding to a larger facility, a training academy secured a $30,000 Bizcap Line of Credit via a broker to purchase uniforms while memberships grew.
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$145k Line of Credit powers property development company
Discover how a property developer in a high-risk industry secured flexible working capital from Bizcap to manage supplier payments and wages without disrupting projects.
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Victorian transport company boosts growth with a $35k Fast Business Loan
Learn how a Victorian transport business used a $35,000 Fast Business Loan to hire staff, keep up with demand, and grow with confidence thanks to strong customer support.
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Car wash secures $132k business loan to support stock and cash flow
Explore how a car wash secured $132,000 in Bizcap funding to manage stock, strengthen cash flow and continue serving customers without interruption.
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How a beverage store kept shelves stocked with a $70k Bizcap Line of Credit
Discover how a beverage store used a $70,000 Bizcap Line of Credit to access fast, flexible funding for stock and keep shelves full when demand increased.
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Get funded today
We've approved 100,000+ loans for businesses. Ready to join them?
How fast can I get a business loan approved?
Eligible businesses can get a Bizcap fast business loan approved in as little as three hours, with same-day funding available.
Timing depends on your application, the funding solution, and how quickly we receive any additional information we need.
What is a non-bank business lender and how does it work?
A non-bank lender provides business funding without being a traditional bank.
Unlike many banks, non-bank lenders may use more flexible assessment criteria. At Bizcap, we consider factors including business revenue, trading history, recent performance and individual circumstances when assessing applications.
Is Bizcap a direct lender?
Yes. Bizcap is a direct lender offering business lending solutions to eligible Australian businesses without requiring a broker.
This means you deal directly with Bizcap throughout the application, assessment and funding process.
Does Bizcap work with brokers?
Yes. Bizcap works with brokers across Australia to help their clients access a range of business funding solutions.
Brokers can refer eligible clients to Bizcap and work with our team to find an appropriate funding option for their circumstances.
How much business funding can I get?
Bizcap offers business loans from $5,000 to $7.5 million and Lines of Credit up to $750,000.
How much you may be eligible for depends on the funding solution and factors such as your revenue, trading history, business performance, and individual circumstances.
What types of business loans does Bizcap offer?
Bizcap offers a range of small business financing options, including Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance, and Lines of Credit.
Funding ranges from $5,000 to $7.5 million depending on the product and your eligibility.
Can I get a business loan to help with cash flow? Â
Yes. Bizcap provides small business loans and other funding solutions that can help cover wages, suppliers, inventory and other expenses when cash flow is tight.
Can I get a business loan funded on the same day?
Yes. Eligible businesses may receive funding on the same day their application is approved. Bizcap's fast business loans can be approved in as little as three hours, with same-day funding available.
Other Bizcap funding solutions may be available in as little as 24 hours. Actual timeframes depend on the funding solution, your application and any additional information required.
What is Bizcap’s business loan approval process?
To apply for a business loan, complete Bizcap’s online application and provide your business details and bank statements.
We’ll assess your application and, if eligible, may provide a conditional offer without an upfront credit check. If you choose to proceed, we may need additional information or checks before final approval and funding.
Do you get a dedicated lending expert at Bizcap?
Yes. Bizcap customers have access to a dedicated Loan Specialist who can assist with their application, discuss available funding options and explain the next steps.
What can I use my business funding for?
Bizcap business funding can be used for a wide range of business purposes, including:
- Managing cash flow
- Paying suppliers
- Purchasing inventory or equipment
- Hiring staff
- Marketing
- Business expansion
- Unexpected expenses
Do I need collateral to get a business loan?
Not always. Some Bizcap small business loans may be available without property being provided as upfront security.
Fast and Small Business Loans up to $30,000 may be available without upfront security, although a personal guarantee is required. Other products have different security requirements.
Why choose Bizcap for a business loan?
As a non-bank lender, Bizcap takes an open-minded approach to business loans. We look beyond credit scores, considering your revenue, trading history and business performance to assess funding options that suit your needs.
With approvals in as little as three hours and same-day funding available for eligible businesses, you can get the funds you need, fast.
Can I get low doc business loans from Bizcap?
Yes. Bizcap offers a streamlined application process with minimal paperwork.
To apply for a business loan, you'll typically need your business details and bank statements to get started. Additional documents may be required depending on your application.
Can I get a business loan with bad credit?
Yes, businesses with poor credit may still be eligible for Bizcap's small business loans.
A low credit score doesn't automatically rule you out. We also consider factors such as your revenue, trading history and recent business performance.
How do repayments work on a Bizcap business loan?
Bizcap business loans can have daily or weekly repayments, depending on your approved funding arrangement.
Your repayment amount, frequency and loan term will be outlined before you accept the funding.
Does Bizcap reward early repayment on business loans?
Yes. Eligible Bizcap business loans may receive a discount for early repayment.
Can I get business funding to manage seasonal cash flow?
Yes. Bizcap offers business funding solutions that can help manage cash flow during quieter periods or cover upfront expenses before peak sales periods.
Funding can be used for inventory, wages, additional staff, marketing and supplier costs. Short term business loans can also help bridge cash flow gaps between preparing for increased demand and receiving customer revenue.
How many businesses has Bizcap helped with funding?
Bizcap has provided more than $5 billion in business funding and approved over 100,000 small business loans globally, helping businesses access funding for cash flow, expansion and other business needs.
Will applying for a business loan negatively impact my credit score?
Not initially. Bizcap can provide a conditional loan offer without conducting an upfront credit check.
If you decide to proceed with the loan, a credit check may be required before funding.
What are the eligibility requirements for a Bizcap business loan?
Eligibility depends on the funding solution.
For Bizcap Fast and Small Business Loans, businesses generally need:
- An active ABN or ACN
- At least four months of trading history
- Minimum monthly revenue of $12,000
Other Bizcap funding solutions have different eligibility requirements.
Can I use a business loan to pay for inventory and logistics costs?
Yes. Bizcap business funding can be used to purchase inventory, pay suppliers and cover transport or logistics costs.
This can help businesses manage upfront expenses without putting additional pressure on day-to-day cash flow.
Can I get a business loan while waiting for unpaid invoices?
Yes. Bizcap small business loans can help businesses manage cash flow while waiting for customers to pay outstanding invoices.
Funding can be used to cover wages, supplier payments and other operating expenses during temporary cash flow gaps.
Can I use a Bizcap business loan to purchase equipment?
Yes, Bizcap business loans can be used to purchase or upgrade equipment for your business. This includes machinery, tools, technology and other essential equipment needed to support day-to-day operations or business growth.
Can I use a business loan to buy vehicles or expand my fleet?
Yes. Subject to eligibility and assessment, Bizcap business lending can be used to purchase business vehicles or expand an existing fleet.
Can I use a business loan to hire staff or expand my business?
Yes. Bizcap small business loans can provide working capital to support business growth, including hiring staff, opening new locations and expanding services.
Funding can also be used for recruitment, wages, fit-outs, purchasing inventory or equipment, marketing and other business expansion costs.
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