Understanding the Bizcap Solutions For Your Clients

Your One-Stop Shop

Whether it’s a small business loan, bridging finance or line of credit, Bizcap offers a range of solutions to help your clients grow their SME. Below, you can find all the specifics to help you identify suitable solutions for your clients. 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.

How To Fund Deals With Bizcap

Tick ‘n’ Flick
Diversify your business without becoming an expert in small business lending. Simply refer clients to us and a dedicated Loan Specialist will support them from application to settlement, whilst keeping you in the loop.
Broker Managed
Prefer to handle the relationship with your clients yourself? We’ll educate you in our solutions and connect you with a Business Development Manager to help you close the deal.

Small Business Loans

Looking for a small business loan for your client? Bizcap provides fast and flexible access to cash with our range of small business loans. Get $5K to $5M approved in as little as 3 hours and funded that day. As Australia’s most open-minded lender, we accept businesses from a range of industries, even if they have existing loans or don’t have the perfect credit score. Get in touch today to find out how we can help your client get access to the cash they need to grow.

Loan Type
Fast and Small Business Loans
Secured Business Loan
Scenarios (Examples)
Your client needs fast access to funds to cover expenses or grow their business.
Your client wants a larger loan with a longer term.
The Loan
Amount
$5K to $5M
$30K to $5M
Receiving Funds
Approvals within 3 hours, with same-day funding
Get funds in as little as 24 hours
Term
3 to 12 months
Repayments
Daily or weekly
Early Repayments & Discounts
Early payment discounts of up to 35% off standard pricing are available
Lending as a Proportion of Revenue
Up to 80% of monthly revenue
Dependent on exit strategy and asset value
Eligibility
Personal Guarantees
Required, however exceptions apply. Please speak with your Bizcap BDM about this.
Is An Upfront Caveat/Mortgage Needed?
Not necessarily required for loans under $1m.
Required for loans of $1m or more.
Yes
Minimum Eligibility Criteria
1. Active ABN/ACN
2. At least 4 months of trading
3. $12K minimum monthly revenue

*Minimum 1 year in trading and $30K minimum monthly revenue for Construction and Transportation businesses.

*Minimum 2 years in trading and 12 months banking data for Commercial Cleaning, Security and Labour Hire
1. Active ABN/ACN
2. At least 5 months of trading
Credit Score
No minimum credit scores. No credit pull on conditional offers is available.
Financial Management Hardship
Businesses with defaults and judgements are accepted.
ATO Debt
ATO debt can be accepted based on the scenario.

Business Bridging Loans

Does your client’s business have a temporary financial gap they’re looking to plug? Bizcap offers bridging financeat heavily reduced rates compared with our standard solutions. What’s more, we can do it incredibly fast, gettingcash in their bank in as little as 24 hours. So whether they’re waiting for payments from clients, settlements onassets or properties, grants or large sales, Bizcap can help keep their business on track in the interim.

Loan Type
Business Bridging Finance
The Loan
Scenarios (Examples)
Your client wants to to plug cash flow gaps at heavily reduced rates. For example, they might be awaiting major settlements or invoice payments.
Amount
$150K to $5M
Receiving Funds
Get funds in as little as 24 hours
Term
Up to 12 weeks
Early Repayments & Discounts
Heavily reduced rates compared to our standard product, up to 65% off, basedon scenario
Lending as a Proportion of Revenue
Dependent on exit strategy and asset value
Eligibility
Personal Guarantees
Required
Is An Upfront Caveat/MortgageNeeded?
Yes
Minimum Eligibility Criteria
1. An active ABN/ACN
2. To be the owner of property
3. Clear exit strategy
Credit Score
No minimum credit scores. No credit pull on conditional offers is available.
Financial Management Hardship
Businesses with defaults and judgements are accepted.
ATO Debt
ATO debt can be accepted based on the scenario.

Line of Credit

Say goodbye to cash flow worries and hello to a world of opportunity. With Bizcap’s Line of Credit, your businessclients will have funds at their fingertips whenever they need them. Whether they’re looking to manage cashflow, seize growth opportunities or handle unexpected expenses, Bizcap’s Line of Credit provides the flexibilitythey need to thrive.

Loan Type
Line of Credit
The Loan
Scenarios (Examples)
Your client wants the convenience of having funds at their fingertips whenever they need them.
Amount
Up to $300K
Receiving Funds
As little as 3 hours to set up, then ongoing immediate access to funds
Term
3 to 12 months
Repayments
Daily or weekly
Early Repayments & Discounts
Simplified early payments of up to 65% off
Lending as a Proportion of Revenue
Up to 100% of monthly revenue if combined with a Bizcap Small Business Loan
Eligibility
Personal Guarantees
Required, however exceptions apply. Please speak with your Bizcap BDM about this.
Is An Upfront Caveat/MortgageNeeded?
No
Minimum Eligibility Criteria
1. Active ABN/ACN
2. At least 9 months of trading
3. $20K minimum monthly revenue

*Minimum 1 year in trading and $30K minimum monthly revenue for Construction and Transportation businesses.
*Minimum 2 years in trading and 12 months banking data for Commercial Cleaning, Security and Labour Hire
Credit Score
Credit Score > 300
Financial Management Hardship
Businesses with defaults and judgements are accepted.
ATO Debt
ATO debt can be accepted based on the scenario.

All Loans

Entities and Industries
Entity Types Accepted
Sole Traders, Private/Public Companies, Trusts and Partnerships
Restricted Industries
Ticket Brokers and Cryptocurrency

Case-by-case assessment: Car Dealerships, Labour Hire, Finance Businesses, Security,Labour Hire, Commercial Cleaning, Adult Entertainment, Online Pharmacies, Not-For-Profits,Nutraceuticals and Drug Paraphernalia
Application & Repayments
To Apply
Submit your client’s name, phone number and ABN via the Bizcap Partner Portal or emailpartners@bizcap.com.au.
Financials
Loans under $150k don’t require financial unless they’re high-risk or in restricted industries.

For loans over $150K, the following may be required: 12 months of bank statements; ATO Portal: Income Tax Account & Integrated Client Account, most recent tax return; P+L and Balance Sheet; accounts receivable & payable
  1. For all loans, a personal guarantee from the director is required.
  2. In the event of default, Bizcap will have the right to lodge caveats.
  3. Bizcap has the right to lodge a PPSR for any loan above $30,000.