As a broker, you want a lending partner who makes the process seamless, supports your clients, and helps you build stronger relationships.

At Bizcap, we’re here to answer your most common questions and give you clarity and confidence when partnering with us.

What type of small business 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 $7.5 million, and Lines of Credit are available up to $750,000.

How much can my client borrow from Bizcap?

Bizcap offers business loans of $5,000 to $7.5 million and Lines of Credit up to $750,000. To find out more about each of our loans, compare our solutions.

The specific amount your client can borrow is influenced by factors such as their cash flow, operational history, available assets and the purpose of the loan. At Bizcap, we carefully assess these elements to gauge the financial health and creditworthiness of your client’s business.

By understanding these details upfront, you’ll be better equipped to set realistic expectations with your clients and position Bizcap as a flexible solution. Our goal is to provide tailored funding that supports your client’s growth while ensuring a sustainable lending relationship. This helps you, as the broker, deliver greater value and strengthen long-term trust with your clients.

What if my clients need more funds than you offer them?

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.

How soon can my client get the funds?

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 three hours and funded that day. Our other solutions can be issued in as little as 24 hours.

If your client needs funds sooner, let your Business Development Manager know and we can fast-track their application.

What are the loan terms and how are repayments structured?

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

Do I have to be involved in the application process?

Or can I simply provide Bizcap with a customer’s contact details and let you contact them on my behalf?

There are two ways to fund deals with Bizcap:

1. Tick ‘n’ Flick

Diversify your business without becoming an expert in small business lending thanks to our Tick ‘n’ Flick model. Simply refer clients to us and a dedicated Loan Specialist will support them from application to settlement, while 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

Do you 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.

What does Bizcap consider when reviewing a loan application?

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 four 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.

Why should I refer my clients to Bizcap over another lender?

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 three hours, with same-day funding available.

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, judgements 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.

Can Bizcap help a customer without affecting their credit score?

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

What pain points do business owners experience before coming to Bizcap for a loan?

There are various scenarios in which small and medium-sized enterprises (SMEs) come to Bizcap 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 by another lender for one or more reasons, including a poor credit score, defaults, judgements, 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 a business’ needs while 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.

How can Bizcap fund deals that other lenders won’t?

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.

Will applying for a loan with Bizcap negatively impact my client’s credit score?

Brokers avoid shopping around for the best loan offer out of an understandable concern that doing so would result in multiple credit checks for their client. Each credit check, or "hard inquiry", can slightly lower their score. What’s more, some lenders view multiple credit inquiries within a short period as a sign of financial instability.

At Bizcap, we can make an initial offer without running a credit check, which makes applying for a loan completely risk-free.

Only once the client decides to proceed with the loan do we run a hard inquiry to finalise the offer. If you’d like to find out how much your client would be eligible for, email us for an obligation-free offer today: partners@bizcap.com.au