Australia’s most
open-minded Lender

We believe that Australian small businesses should have fast access to the capital they need to grow, even if they don’t have the ‘perfect credit score’

We take a systematic approach to assessing credit and risk by really getting to know our customers by accessing more than just their credit.

We’re proud to provide Australian small businesses with loans from $5,000 – $2,000,000 within 3 hours.

A little more about us…

We pride ourselves on supporting those that need it most; this means we welcome businesses:

  • with defaults or judgements of hardships;
  • that have been declined from other lenders; and
  • with poor credit scores, we have no minimum credit score requirements 

We are able to support this space for a number of  reasons:

  • our management team has over 15 years underwriting experience, primarily in US markets which is at least 7-8 years ahead of the local market;
  • our systematic, robust and efficient due diligence methodology; and
  • our ability to price risk appropriately, allowing us to support businesses so it is sustainable for both parties.

We provide our customers:

  • a digital workflow process (application, due diligence, and fulfilment), which means they can be assessed and funded within 3 business hours
  • access to funding when they need it most, but other lenders will not support them; and
  • ongoing support and access to more funds assuming repayments and business circumstances are healthy

For further information on Bizcap, please email us at

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