Why partner with Bizcap?

Bizcap helps small to medium-sized businesses (SMEs) access fast and flexible funding, even when other lenders say no. We consider factors like cash flow, trading history, industry conditions, and growth potential (amongst others) so we can tailor solutions that fit the reality of how SMEs operate. But there’s more to the story for brokers and advisers.

Here’s what sets us apart:

Fast turnaround

We can approve and fund deals in as little as 3 hours. If your client needs urgent working capital, we’re built for speed.

Flexible credit appetite

We assess more than just the credit score. Businesses with past challenges (such as defaults, tax debt, or periods of reduced performance) are still considered, as we evaluate the overall business health and potential.

Broker-first approach

You’ll have a dedicated Broker Support Specialist to help workshop deals, clarify details and keep your clients moving forward.

Tailored funding solutions

We offer a range of lending products, including term loans and business lines of credit, and can customise lending solutions to suit the needs of you and your SME client. It’s flexibility on a whole new level.

How the referral process works

We keep it simple and clear, so you always know where things stand:

1. Submit the deal

Use your Partner Portal or send it directly to your Bizcap contact. We only need basic details to get started on a conditional approval.

2. We review the application

We’ll assess the business, review the numbers, and will reach out if we need anything else.

3. You stay in the loop

We keep you updated throughout. Once approved, your client gets a clear offer, with funding available quickly – often within the same day

4. Prompt commission payments

We process commission payments shortly after settlement. No chasing required.

Brokers stay informed from submission to settlement and get paid without delay

Common broker concerns

“My client has poor credit.”

We’ll still consider them. We work with a broad range of profiles, and assess applications on qualitative and quantitative factors, not just by their credit history.

“They already have existing debt.”

We’re happy to consider businesses with existing debt and can work alongside existing finance arrangements, depending on the circumstances and deal structure.

“What if they’ve been declined elsewhere?”

We welcome applications even if other lenders said no. Our assessment process is different so we do not penalise or automatically reject applications on the basis of other declines.

What makes Bizcap different from other lenders?

Table highlighting Bizcap core features

Who’s a good fit?

Bizcap is well-suited for clients who:

  • Need funding between $5K and $5M
  • Don’t have perfect credit
  • Need capital quickly
  • Have been turned down by banks or other lenders

If your client’s business is generating at least $12K per month and has been operating for 4+ months, chances are we can likely help

How we support our broker partners

We don’t just accept deals, we help you place them.

Scenario support: Workshop applications with a real person

Partner Portal: Submit, track and manage deals and commissions in real-time.

Marketing tools: Access co-branded content and templates to promote your services.

What about commission?

We offer strong upfront commissions, with additional performance-based incentives. Need the full breakdown? Your Broker Support Specialist or BDM will work you through the model.

Frequently asked questions (FAQ)

Q: Do I need to submit full financials?

A: Not upfront. To make a conditional offer, we only need your business bank statements. If you accept the offer, we’ll request additional documents only if necessary.

Q: Can I send through a deal even if I’m unsure?

A: Absolutely. We’ll take a look and get back to you, often within the hour.

Q: How do I get started as a Bizcap partner?

A: Contact the Partnerships Team to register and receive your login for the Partner Portal.

Final word

Partnering with Bizcap gives you access to one of the most accessible lenders in the market. Whether your client has strong financials or a few bumps in the road, we help you get more deals done, fast.

Ready to refer your next deal?

Submit a deal now or contact your Broker Support Specialist.