Get the money you need
to move forward

N Fill out our simple online application
N Get an offer in less than a day
N If you’re happy, we deposit the funds into your account

Apply Now


Move fast, confidently

Online Application

Our fast and simple application process will take you less than 5 minutes to complete

Efficient assessment

Our underwriting team review your application and provide you with an outcome within just 1 hour

Receive funds

If approved, you can have the funds in your account within 3 hours of approval.

Do you meet our criteria?


You need an active ABN (Australian Business Number)


Your business must be trading for at least 6 months


Your business needs to be turning over at least $10,000 per month


What does Bizcap do?

Bizcap provides short term unsecured business loans to Small Businesses across Australia. We are Australia’s most open-minded lender and specialise in supporting those that need access to business finance, fast; this means we welcome businesses:

  • with defaults or judgments from past hardships;
  • that have been declined from other lenders; and
  • with poor credit scores, we have no minimum credit score requirements (no other lenders offer this). We lend businesses up to $600,000 with repayment terms from 3- 12 months.
How soon can I get funds?

Assuming you complete the Application (it takes approximately 5 minutes) correctly you can receive a loan offer within 2 hours and if approved funds in your account within 3 business hours. Funding can be held up when a customer provides us with partial or inaccurate supporting documentation. If you need funds quickly, please just let your account manager know and we can ensure to have your application escalated.

How much can I borrow?

We provide loans from $5000 to $600,000, our loan terms vary from 3 to 12 months and payment terms are either daily or weekly. The total amount of your loan will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of your business and based on the information you provide.

How does the program work?

Bizcap makes available short-term small business loans for a term of 3 to 12 months. Approvals are based primarily on the business’ revenue and not the owner’s personal credit score. All we need to start is a completed application form (we’ll send this to you) and the most recent six months of business bank statements. Bizcap’s core program does not typically require tax returns, credit card receipts or business plans.

What are the rates and how are they determined?

Each applicant’s cash flow, payment history, and financial strength are considered to determine a risk-adjusted repayment plan specific to that applicant. Payments are determined by factors such as the amount and consistency of the business’ cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds.

What factors affect loan application approval?

The age of the business, as well as the revenue history, assets, and credit history of the business, among other factors, will all contribute to building a comprehensive profile of the applicant. We do have eligibility criteria that include being in business for at least 6 months, having a consistent monthly turnover of over $10,000 and having an active ABN.

How are loans repaid?

Loans are repaid through automatic deductions from the business’ bank account. Loans can be repaid either daily or weekly (excluding weekends and holidays).

Will you check my personal finances?

 Although the business’ asset-profile and cash-flow are our primary concern, we do review the business’ and owner’s credit reports to identify current judgments, open bankruptcies, tax liens and other factors.

What can I use the funds for?

You can you use the money for any business purpose, we do not stipulate what you use the funds for, please see below what customers generally use funds for:

  • Expansions, renovations and unexpected repairs
  • Purchase stock and equipment
  • Extra Marketing
  • Hire more employees
  • Pay expenses
  • Cash flow
Can I repay early?

Yes, some of our customers repay early to save on interest. If you want to make extra repayments or pay off your loan early we won’t charge you any fees.

I have a loan with you, but I need more access to funds, can you help?

Firstly, thanks for partnering with us! Once you’re halfway through your first loan with us we can discuss giving you access to additional funding, if it’s a little earlier than halfway, just call us on 1300 922 223 and we’d be happy to reassess and see if we can help you further. We generally will contact you at this point as well to see how your business is going or if we can assist further.

I already have a loan with another lender, can Bizcap help me?

In most cases, yes, a lot of our customers have received funding elsewhere but didn’t get access to the capital they needed. To find out if we can help, fill in the Apply Now form and we will get in touch with you.


Speak to a real person

Small business finance is all we do, so you’ll get straight through to someone who can help.

Call us from Monday to Friday (8:30am – 6pm).



Suite 4, 322 St Kilda Rd, St Kilda VIC 3182



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