Repayments are made daily or weekly, depending on your agreement, and are structured to be consistent and predictable. When you draw down and before accessing funds you’ll see the total cost upfront, so you know exactly what to expect.

While repayments don’t fluctuate month to month, having a clear schedule can make it easier to plan ahead and manage your cash flow.
You can also repay early and receive a discount on your fees when you do, so you’re never penalised for getting ahead.

Bizcap uses a simple, transparent fixed-fee structure, so you’ll know the total cost of each drawdown upfront before you commit.

As our funding terms are short-term (up to 12 months), there’s no annual fee. For line of credit products, an ongoing facility fee applies, which is charged regularly regardless of whether you draw down funds.

All other fees are incorporated into the fixed repayment structure, so you have full visibility and control from the start, with no hidden charges.

To be eligible, your business needs an active ABN/ACN, at least 9 months of trading and a minimum monthly revenue of $20,000. The application is completed online in minutes, and we'll typically need to see recent bank statements and basic business information.

Decisions are made in as little as 3 hours, so you're not waiting days or weeks to find out where you stand. If anything else is needed, we'll let you know upfront rather than dragging the process out.

It depends on your business and the funding amount. In many cases, Bizcap funding doesn’t require property as security, but personal guarantees are typically required, and additional security may be requested for larger facilities.

Every application is assessed based on your business performance and overall profile. The best way to understand what may apply to you is to speak with our team, who can walk you through your options based on your specific circumstances.

Yes. Once your Line of Credit is approved, you can draw down funds as needed, and your available balance is replenished as you make repayments.

It works similarly to a business overdraft, giving you access to funding when you need it, with control over when and how much you draw down. Your facility is provided for a set term, and if you’d like to continue beyond that, you can discuss your options with our team closer to the time.

Decisions are made in as little as 3 hours from completing your application. Once approved, your line of credit facility can be established on the same day. You can then request drawdowns 24/7 via your secure online portal, with funds disbursed instantly to your nominated bank account. Compare that to a traditional financing application through a bank, which can take days or weeks and often involves multiple rounds of documentation and review before you get an answer.

Your business needs an active ABN/ACN, at least 9 months of trading and a minimum monthly revenue of $20,000. The application is completed online in minutes, and we'll typically need to see recent bank statements and basic business information. There are no requirements for property security or fixed assets, and having an imperfect credit history doesn't automatically rule you out. If we need anything else from you, we'll let you know upfront so there are no surprises.