Get the money you need
to move forward

Get the money you need to move forward

   Fill out our simple online application

   Get an offer in less that a day

   Same day funding

   If you’re happy, we deposit funds into your account


  Fill out our simple online application

  Get an offer in less than a day

  Same day funding

  If you’re happy, we deposit the funds into your account

Apply Now

How A Business Loan Works With Us

Move fast, confidently

Online Application

Apply online and get assigned a Loan Specialist to help you through the application process. This take under 10 minutes. 

Efficient assessment

Once we recieve your file, our credit team review your application and provide you with an outcome within just 1 hour

Receive funds

Once approved and you accept,  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 and secured 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 process work?

Bizcap provides short-term business loans to Australian Small Businesses. The loan terms vary from 3 months to 12 months. We leverage our proprietary technology system and extensive underwriting experience to provide ‘out of the box’ solutions to our customers. This allows us to lend to customers that come from all walks of life and across a multitude of different industries. Once we have your completed application (customer details and bank statements) we assess your file for a loan, from there we provide you with an offer, if you’re happy with can provide you with the funds within 3 hours. Our eligibility criteria include: you must be in business for at least 6 months, you must have an active ABN and your turnover must be over $10,000 a month (this requirement may be higher for certain industries).

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’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 charge a fixed fee on the loan which is agreed on upfront. We do not penalise you for wanting to pay out your loan early either.

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 application form and we will get in touch with you.

What type of Small Business loans does Bizcap offer?

Bizcap offers both unsecured business loans and secured business loans. Our loan sizes vary from $5,000 to $750,000.

Does Bizcap require personal guarantees?

Bizcap may take personal guarantee(s) from directors of corporate borrowers, directors of corporate guarantors and certain individuals.

Is any security required on a Bizcap Small Business loan?

When assessing a loan application, Bizcap generally does not take into account whether a prospective borrower has specific assets to provide as security.

If the loan amount is above $30,000 (or any other figure Bizcap determines from time to time), Bizcap will, under the loan agreement, take a charge over the assets of the borrower and its guarantor(s). Bizcap may register its security interest(s) on the relevant register including the Personal Properties Securities Register and the relevant land interests register. In certain instances, Bizcap may require specific security to be granted over assets. Examples of security (based on loan size and the customer’s individual circumstances) include charges over bank accounts, vehicles or other personal property or caveats over land.

When assessing a loan application, Bizcap generally does not take into account whether a prospective borrower has specific assets to provide as security.

Security and assets are not required for an application regardless of the loan amount.


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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