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Alleviate cash flow constraints with fast access to funds.
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Thinking of growing your business? Think Bizcap.
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Larger loans with flexible repayment terms.
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Plug cash flow gaps at heavily reduced rates.
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Have funds at your fingertips whenever you need them.
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Bizcap wins Outstanding Customer Service and Best for Line of Credit at 2026 WeMoney Awards

Bizcap wins Outstanding Customer Service and Best for Line of Credit at 2026 WeMoney Awards

Bizcap is proud to announce it has won Outstanding Customer Service and Best for Line of Credit at the 2026 WeMoney Business Awards.
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5 ways brokers can help clients strengthen their business loan application

The strongest business loan applications start well before submission. Learn five practical ways to help your clients put their best foot forward.
Bizcap named Australia's #1 Best Workplace™ in Finance and Insurance

Bizcap named Australia's #1 Best Workplace™ in Finance and Insurance

Bizcap has claimed the top ranking as Australia’s Best Workplace™ in Finance and Insurance for 2026, awarded by Great Place To Work®, the global authority on workplace culture.
Construction business owner at site using AI on computer

5 practical ways AI can save your small business time and money in 2026

Running out of hours in the day? Discover five practical ways Australian SMEs are using AI to save time, improve cash flow and support growth.
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Fast Business Loans
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Small business loans built for growth

Thinking of growing? Think Bizcap for small business loans from $5k to $7.5m with same-day funding - even without the perfect credit score.
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Loans from $5K to $7.5M
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Funds in as little as 24 hours
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No upfront credit checks
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Cash flow-friendly repayments
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Early payout discounts
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Where small business grows big

$5000M+
funded globally
4.8/5
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100K+
small business loans
Find out what Bizcap can do for you

Small business loans made simple

We’re committed to saying “yes” more often. To qualify for our small business loans, you’ll need:
An active ABN/ACN
At least 4 months of trading
A minimum monthly revenue of $12,000
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1.

Application

Apply for business loan funding in less than 5 minutes and give us everything we need to assess your application.
2.

Assessment

Our team of loan specialists will assess your application quickly, without running a credit check.
3.

Funding

If approved, you can have the funds in your account within 24 hours, and a repayment plan that suits your needs.

Australia’s most
open-minded lender

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Get funds and move on

Apply in just 3 minutes, link your bank statements, then get back to business. We'll be in touch to discuss your quote.
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Fast and friendly

Get funds approved in as little as 3 hours, plus a dedicated loan specialist who will assist throughout your journey.
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High approval rates

Bad credit score? Existing loans? No issues. We look at your business on the whole to assess creditworthiness.
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Zero credit checks

We can make you a conditional offer without running a credit check. That saves denting your score.
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Flexible repayments

We offer daily and weekly repayment plans to suit your cash flow.
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Early payment discounts

While other lenders penalise you for paying off your loan fast, we incentivise it.
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Our business lending solutions
Fast Business Loans
Alleviate cash flow constraints with fast access to funds. Get $5k to $500k today, even if you've got existing loans or a poor credit score.
Small Business Loans
Thinking of growing your business? Think Bizcap. Loans of $5k to $7.5m within 24 hours, even if you don't have the "perfect" credit score.
Secured Business Loans
Unlock larger loans with flexible repayment terms, using property equity. Get $5k to $7.5m at competitive rates.
Bridging Finance
Short-term funding to plug cash flow gaps at heavily reduced rates. Get $150k to $7.5m, saving up to 65% on the cost of funds.
Line of Credit
Have funds at your fingertips whenever you need them. Borrow from $15k to $750k and only pay for what you use.
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Bridging finance options for small businesses.
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Helping you get on with business

Helping an island resort business bridge the gap during a complex refinance

When a complex refinance threatened operations, Bizcap delivered a $425,000 bridging facility to help a South Australian tourism business maintain cash flow and growth plans.

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How Bizcap funding boosted a logistics company's success

Bizcap's tailored funding transforms a $500,000 logistics firm into a $2.5 million success story in a year.

Read More
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Get funded today

We’ve approved 100,000+ small businesses loans. Ready to join them?
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Speak to a Loan Expert
Award-winning loans for small to medium businesses.

Get in touch

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1300 922 223
Monday to Friday: 8:30am to 5.30pm AEST
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info@bizcap.com.au
PO Box 195, Balaclava VIC 3183
Support

What are the requirements for a small business loan in Australia?

To be eligible for Bizcap’s small business loans, your business must have:

- An active ABN/ACN
- At least four months of trading
- A minimum monthly revenue of $12,000.

Additional information may be required depending on your application. We assess each business individually and look beyond a single factor when determining eligibility.

Can I get same-day approval for a small business loan?

Yes. Eligible businesses may receive approval in as little as three hours, with funding the same day their application is approved.
 
Fast access to small business funding can help businesses manage cash flow, pay suppliers, cover unexpected expenses or act on growth opportunities without waiting weeks for a traditional lending decision.

How much can a small business borrow?

Bizcap offers business loans for small businesses from $5,000 to $7.5 million.

Can I get a small business loan with bad credit?

Businesses with poor credit may still be eligible for funding from small business lenders. While approval is never guaranteed, a low credit score doesn’t automatically rule you out.

At Bizcap, we look beyond credit scores and consider factors such as your trading history, revenue and overall business performance.

You may also receive a conditional offer without an initial credit check, allowing you to explore your funding options before deciding whether to proceed.

How fast can Bizcap approve a small business loan?

Eligible businesses can receive approval for a small business loan in as little as three hours, with funding available the same day.

Bizcap's approach to business lending is designed to be fast and straightforward. Approval times can vary depending on factors such as the funding amount requested and how quickly any additional information can be provided.

Our streamlined application and assessment process helps reduce paperwork and unnecessary delays, allowing businesses to access funding sooner.

Can I apply for a small business loan online?

Yes. Bizcap offers small business loans online through a simple digital application process that takes about five minutes to complete, allowing eligible businesses to apply and receive a lending decision without visiting a branch.

Can a start-up qualify for a small business loan?

Start-ups may be eligible for certain small business financing options, depending on the lender's requirements.

To be eligible for Bizcap's small business loan, your business must:

- Have been trading for at least four months
- Have an active ABN or ACN
- Generate a minimum monthly revenue of $12,000.

What can I use a small business loan for?

Small business funding can be used for a wide range of business purposes, including:

- Managing cash flow
- Purchasing stock or inventory
- Hiring staff
- Marketing and growth initiatives
- Equipment purchases
- Covering unexpected expenses
- Expanding business operations.

The right funding solution will depend on your business goals and financial requirements.

How do we assess your eligibility for a small business loan?

When you apply for a business loan, we assess several aspects of your business to build a clearer picture of its current performance.

This may include your trading history, revenue, recent business activity and other relevant factors. We take a broader view than relying solely on a credit score to understand how your business is operating today.

Do I need security for a small business loan?

Not necessarily. Some short term business loans may be available without upfront collateral or security requirements.

At Bizcap, small business loans up to $30,000 may be available without upfront security, although a personal guarantee is required.

What is the repayment structure for small business loans?

Small business loans from Bizcap feature cash flow-friendly repayments designed to support your business' day-to-day operations.

Eligible customers may also benefit from early payout discounts if they repay their funding ahead of schedule.

How can small business loans help during seasonal slowdowns?

Business loans for small businesses can help manage temporary cash flow gaps caused by seasonal fluctuations in revenue.

Funding may be used to cover operating expenses, purchase inventory ahead of busy periods, pay suppliers, maintain staffing levels or invest in marketing to generate demand during quieter periods.

Access to additional working capital can help businesses continue operating smoothly throughout seasonal cycles.

Small business loans, approved in as little as three hours

Apply now
Copyright © Bizcap NZ Limited (NZBN 9429048276863) and Bizcap AU Pty Ltd (ACN 633 927 090) of PO Box 195, Balaclava VIC 3183

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PO Box 195, Balaclava VIC 3183

info@bizcap.com.au1300 922 223
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