Compare Business Loans: Bizcap vs The Rest

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.compare our solutions
The specific amount of your business loan is influenced by factors like your business's cash flow, operational duration, assets, and loan purpose. We assess these aspects to gauge your business's health and creditworthiness.

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.

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.
Delays can occur when customers provide partial or inaccurate information or supporting documents. To ensure your loan is processed as quickly as possible, be sure to provide accurate and complete information.

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.
Traditional banks can often take weeks to provide an outcome for a business loan application. Non-bank lenders, while generally faster than banks, can still take several days to process fast business loans. In contrast, Bizcap can grant you access to the capital you need in less than 24 hours. This exceptional speed makes Bizcap the fastest business lender in Australia and New Zealand.

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.
Bizcap prides itself on being a low doc lender, meaning we require fewer documents for business loans than other lenders, including both banks and non-bank lenders. This streamlined approach enables us to expedite the business loan application process, but it is still essential for applicants to provide the requested documentation in a timely manner.

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.
After you complete your application (a simple form that includes your details and business bank statements), we assess your file without running a credit check and make you a conditional offer.

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.

Payments are determined by factors such as the amount and consistency of the business’s cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds. We also charge an establishment fee on the loan, which is agreed upon upfront.

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.
For Bizcap Fast and Small Business Loans, you will need:1. An active Australian Business Number (ABN). This demonstrates that your business is operating legally in Australia.2. At least 4 months of trading. This helps us assess your business’s stability and potential for growth.3. A monthly revenue of at least $12,000. This criterion helps us determine how much we can lend you, as well as your ability to manage and repay the loan.

To find out the eligibility criteria for Bizcap Secured Business Loans, Bridging Finance and Line of Credit, please refer to the Eligibility section of our .

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.

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
We understand that businesses sometimes need short-term financial support, which is why we offer business loans with varying terms. If you know that you will only need a loan for a brief period, just let us know, and we can structure your loan accordingly. Businesses who qualify for our can receive up to 65% off our standard rates.

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.
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.

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.
As you build a relationship with Bizcap, demonstrating your ability to reliably and punctually pay off your loan, the factor rate will likely decrease.