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Alleviate cash flow constraints with fast access to funds.
Small Business Loans
Thinking of growing your business? Think Bizcap.
Secured Business Loans
Larger loans with flexible repayment terms.
Bridging Finance
Plug cash flow gaps at heavily reduced rates.
Line of Credit
Have funds at your fingertips whenever you need them.
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Fashion designer working at a desk

How to avoid an end of financial year cash flow crisis with a Business Line of Credit.

How a business Line of Credit can keep cash flowing this EOFY.
Woman getting a Bizcap loan on her laptop

End of financial year survival guide: 7 steps to prepare your small business

EOFY is around the corner—and if you’re feeling the pressure, you’re not alone. Before the last-minute scramble kicks in, here’s what you can get on top of now to close the year with confidence.
Infrastructure engineer smiling looking at computer surrounded by equipment

Funding the full picture: Why Bizcap backed a telecom business others overlooked

Turned away by others, this telecom business secured $34K from Bizcap to bridge the gap before a $60K payment landed and keep projects moving.
A smiling small business owner, holding a yellow hard hat and standing in a construction building with a ladder in the background, reflecting on the end of financial year.

Australia EOFY: 7 surprising things you can claim as a tax deduction for your small business in 2025

Plus: Hot tips for making the most of tax time.
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Small Business Loans

Compare Your Options & Get Funded Fast

Getting a loan shouldn't feel like jumping through hoops. If you're running a small business, your time’s already split between managing staff, chasing invoices, ordering stock, and keeping the lights on. Waiting weeks for a loan decision—or getting knocked back for having ATO debt or an existing facility—just doesn’t cut it.

That’s why we built this page: to break down your non-bank lending options, and show you how to access funding that actually suits the way your business runs.

At Bizcap, we offer business loans from $5K to $5M, with no up-front credit checks, and no obligation. If you’ve got an urgent bill to pay, need to buy stock ahead of a busy period, or want to cover cash flow while you wait for customers to pay, we move fast.
‍
We look at your whole business, not just your credit score.
We don’t punish you for borrowing elsewhere.
And we’ll get back to you quickly—with approvals within hours, and same day funding available.

Need to cover a short-term gap or take on your next opportunity?
We prioritise getting to know your business and its needs. Find out how Bizcap's approach can help you get the funds you need, fast.

Non Bank Lender Comparison Table

Side-by-side snapshot of rates, speed and credit requirements from Australia’s leading non-bank lenders—including Bizcap, Prospa and OnDeck.
‍
BIZCAP Capify Prospa Banjo Moula lumi Max Funding Business Fuel On Deck Shift NAB Trucap BizLoansFast HomeSec Biigga Skyecap
Loan Amount $5k - $5m $5k - $500k $5k - $500k $20k - $2m $5k - $250K $10k - $500k Up to $1mil $10k - $500k $10k - $250k $10k - $1m $5k - $250k $5k - $1m $20k - $5m $20k - $2m $10k - $150k $2k - $250k
Repayment Terms 3 - 12 months 3 - 12 months 12 - 36 months 6 - 60 months 12 - 24 months 3 - 18 months 1 - 36 months 6 - 36 months 6 - 24 months Up to 60 months Up to 5 years 3 - 12 months 1 - 6 months 1 - 24 months
Turnaround (Application to Funding) 3 - 24hrs 24hrs 24hrs 24hrs 24hrs Same Day 24hrs 24hrs 2hrs (under $175k) - 24hrs 3hrs no paperwork (under $250k) - 24hrs 24hrs 24 - 48hrs 24hrs 24hrs 24hrs 24hrs
Line of Credit Available Unavailable Available Unavailable Unavailable Available Available Unavailable Unavailable Unavailable Available Not available Not available Not available Not available
Revenue Hurdle $144k / year $120k / year $72k / year $500k / year $120k / year $100k / year $120k / year $100k / year $144k / year $75k / year $180k / year
Minimum Time in Business 4 months 6 months 12 months 24 months 6 months 6 months 0 months 12 months 12 months 24 months 12 months 6 months 3 months
Min Credit Score Requirement None 400 500 Bank-level credit score expectations*
Founded 2019 2012 2008 2015 2014 2022 2016 2015 2014 2017 2019 2004 2021 2018
Origin Australia Australia Australia Australia Australia Australia Australia Australia USA Australia Australia Australia Australia Australia Australia Australia
Ownership Unlisted Unlisted Listed Unlisted Unlisted Unlisted Unlisted Unlisted^ Unlisted Unlisted Listed Unlisted Unlisted Unlisted Unlisted Unlisted


Getting a Small Business Loan

Smart funding for businesses that don't tick all the boxes

You shouldn't have to choose between speed and sense


Applying for a loan through a bank can mean waiting weeks just to hear back, even for a simple yes or no. The paperwork is often complex. Credit score requirements are high. And if you’ve got an existing loan or less-than-perfect financials, you might be ruled out before anyone looks at your business properly.

Typical loan funding timeline

Application Decision Document review Underwriting Funding
Bank
15 d
Bizcap
1 d
0
5
10
15
Elapsed time (days) →


Traditional banks may require a perfect credit score and are notorious for extensive paperwork, collateral requirements, and long wait times. They might look for reasons to decline applications based on a rigid set of criteria.

Bizcap is your answer


Bizcap is Australia’s most open-minded lender, built to support small businesses that other lenders often overlook. We offer fast, flexible loans from $5K to $5M, with approvals in as little as 3 hours and funding available the same day.

Bizcap has funded 18,000+ businesses others said ‘no’ to.

Trustpilot

Already got a loan? Credit score not where you want it? You’re not ruled out. At Bizcap, we look at the full picture. We take the time to understand your cash flow, your plans, and your business—not just your credit file. We’re also a low-doc lender, which means less paperwork, fewer delays, and faster access to funding.

Business Loans
Made Simple

We’re committed to saying “yes” more often. To qualify for a Bizcap Small Business Loan, you’ll need:
An active ABN/ACN
At least 4 months of trading
A minimum monthly revenue of $12,000
Apply Now
Compare Solutions
1.

Application

Applying online takes less than 5 minutes and gives us everything we need to make an initial assessment.
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.
Helping You Get On With Business

Funding the full picture: Why Bizcap backed a telecom business others overlooked

Turned away by others, this telecom business secured $34K from Bizcap to bridge the gap before a $60K payment landed and keep projects moving.

Read More

Keeping freight moving: how a $250,000 Line of Credit allowed a transport company to win new contracts

From cash flow gaps to new contracts, Bizcap’s $250K Line of Credit powered a transport company’s growth. With facilities now up to $750K, bigger opportunities are on the table for SMEs.

Read More

How a traditional Islander food business kept its doors open with Bizcap

Bizcap’s fast $8,900 loan helped a traditional Islander food business restock, pay suppliers, and stay open.

Read More

How Bizcap helped this electrical business secure $165K in 24 hours

Facing urgent supplier payments and project costs, Bizcap helped this electrical business stay on track and keep operations running smoothly.

Read More

How a Bizcap Line of Credit Helped this Toy Business Secure Essential Stock in Record Time

With Bizcap’s Line of Credit and standout customer service, an e-commerce retailer secured seasonal stock on time, ensuring smooth operations and timely deliveries.

Read More

How Bizcap helped a building maintenance company thrive

Discover how we helped this maintenance company gear up for growth and take his business to the next level

Read More

Facing Payment Delays, a Construction Supplier Turned to Bizcap for a Fast Solution

When IT issues delayed payments from her major clients, this business owner was left unable to pay for new stock. She approached her bank for a loan, but their lengthy approval process was far too slow for her urgent needs. Enter Bizcap.

Read More

From Home Loans to Business Loans: How a Broker Boosted Business with Bizcap's Financing Solutions

Asset finance and mortgages used to be the core business of broker Mo Saleh. Now, he leverages Bizcap's fast and flexible SME loans to broaden his offering, which retains clients and grows his customer base.

Read More

A Low Credit Score Didn’t Stop Bizcap From Helping a Retail Clinic To Secure $118,500

How Bizcap’s commitment to saying “yes” more often helped a retail business owner secure funding despite a low credit score and multiple rejections.

Read More

How a Spud Farmer Made $400,000 With Bizcap’s Help

Planting season was almost over and Nicole, strapped for cash, couldn’t get spuds into the ground. When her bank wouldn’t help, she turned to Bizcap.

Read More

‘The Meat Game’s Ruthless’ How Bizcap Loans Helped a Butcher Shop Thrive

John’s shop was bleeding cash as he tried to build up his customer base. With Bizcap’s help, he smoothed out cash flow until the shop was profitable.

Read More

Compare Bizcap Small Business Loans

Fast
Business Loan
Small
Business Loan
Secured
Business Loan
Bridging
Finance
Business
Line of Credit
For when
You need fast access to cash in order to meet short-term obligations, like operational or unexpected expenses.
You want to grow your business but might not have the best credit score or don’t want to wait weeks for a loan.
You want a larger loan with a longer term, and have property to use as security.
You know finance is coming in the near future, but need funds to plug the gap – at a heavily reduced rate.
You want the flexibility of having access to varying amounts of cash at different points in time.
Amount
$5K to $500K
$5K to $5M
$30K to $5M
$150K to $5M
$5K to $750K
Term
3 to 12 months
3 to 12 months
3 to 12 months
Up to 12 weeks
Flexible repayments
Get funds in
Same day
24 hours
24 hours
24 hours
Ongoing access
Key benefits
Get funds fast, with cash flow-friendly repayments.
Loans that are perfectly tailored to your business's needs and goals.
Competitive rates and longer terms are available.
Large discounts compared with Bizcap Secured Business Loans.
Only pay for what you draw on. Funds available whenever you need them.
Often used for
  • Wages
  • Bills
  • Urgent repairs
  • Cash flow
  • Import duties
  • Any business expense or investment
  • Purchasing equipment
  • Renovations
  • Hiring staff
  • Buying vehicles
  • Bulk stock purchases
  • Any business expense or investment
  • Renovations
  • Opening a new location
  • Upgrading facilities
  • Investments
  • Any business expense or investment
  • Cash flow
  • Wages
  • Bills
  • Inventory
  • Equipment
  • Any business expense or investment
  • Cash flow
  • Equipment
  • Inventory
  • Wages
  • Renovations
  • Any business expense or investment
Eligibility
  • Active ABN/ACN
  • An established business, trading for at least 4 months
  • A minimum monthly revenue of $12,000
  • Active ABN/ACN
  • An established business, trading for at least 4 months
  • A minimum monthly revenue of $12,000
  • Active ABN/ACN
  • An established business, trading for at least 5 months
  • Active ABN/ACN
  • Own property
  • A clear exit strategy
  • Active ABN/ACN
  • An established business, trading for at least 9 months
  • A minimum monthly revenue of $20,000
Apply
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Where Small Business Grows Big

$1000M+
in loans funded
4.9/5
Trustpilot logo.
rating
27K+
small business loans
Find out what Bizcap can do for you

Get funded today

We've approved 27,000+ loans for businesses. 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 type of loans does Bizcap offer?

Bizcap specialises in providing fast and flexible business loans to small and medium-sized businesses. Our solutions include Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and Lines of Credit. Our loan sizes vary from $5,000 to $5,000,000 and Lines of Credit are available up to $500,000. Compare our solutions here.

How much can I borrow from Bizcap?

Bizcap offers business loans of $5,000 to $5,000,000 and Lines of Credit up to $750,000. To find out more about each of our loans, 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.

Our aim is to offer customized loans that address each business's unique financial needs, minimizing risk for both parties. By thoroughly evaluating factors contributing to your business's financial health, we determine an appropriate loan amount and terms to support sustained growth and success.

How quickly can I get a business loan from Bizcap?

At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast and Small Business Loans can be approved within 3 hours and funded that day. Our other solutions can be issued in as little 24 hours. If you need funds sooner, let your Loan Specialist know and they can fast track your application. This quick turnaround ensures our customers get access to the funds they need to meet their obligations and grow in a competitive market.

How quickly can I get funds into my account?

At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast and Small Business Loans can be approved within 3 hours and funded that day. Our other solutions can be issued in as little 24 hours. If you need funds sooner, let our Loan Specialist (or Business Development Manager for partners) know and we can fast track your application.

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.

How can Bizcap fund loans faster than other lenders?

Bizcap sets itself apart from other lenders in the speed at which we offer business loans. We can do because we are a direct lender and self-funded, which cuts the red tape that’s typically involved in processing loans, and thanks to our streamlined application, approval and end-to-end processes.

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.

What can hold my business loan application up?

The key factor that can hold up your business loan application is delays in providing us with the necessary documentation. You need to submit your business bank statements as part of your online application, but after we have made you a conditional offer we may require further documentation. The sooner you can get that to us, the sooner we can issue you with a business loan.

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.

How does the process work?

We leverage our proprietary technology system and extensive underwriting experience to provide outside the box solutions. This lets us lend to customers who come from all walks of life and a multitude of industries.

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.

Once you’re happy with the loan terms and wish to proceed, we might gather some extra information, including a credit report, to make you an unconditional offer. Funds are often issued that day.

What are Bizcap’s rates and fees, and how are they determined?

We consider each applicant’s cash flow, payment history and financial strength to determine a risk-adjusted repayment plan that’s tailored 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 also charge an establishment fee on the loan, which is agreed upon upfront.

Unlike other lenders, we won’t penalise you for settling your loan early, if that’s what you choose to do. Instead, we’ll reward you for paying it off early, by giving you a discount.

What criteria do I need to meet to apply for a Bizcap loan?

At Bizcap, we have established minimum eligibility criteria to ensure that our business loans are accessible to a broad range of businesses. Each loan has different eligibility criteria.

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.

By meeting these criteria, you can confidently apply for a fast business loan with Bizcap, knowing that our financial solutions are designed to support businesses like yours.

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 Compare Solutions table.

What factors affect the loan application approval?

Factors that affect whether or not your loan is approved include how long the business has been trading, its revenue history, assets and credit history. We also look at the business owner and various other factors to help us build a comprehensive profile of the applicant. It is thanks to this approach of truly getting to know the customer that Bizcap can help in ways that other lenders won’t.

What if I only need a business loan for a few weeks?

If you only need a loan for a few weeks, Bizcap can help by providing a loan that’s tailored to your needs and circumstances. Our business loans are a flexible solution to bridge cash flow gaps, make quick purchases, or address other short-term financial requirements.

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 Bridging Loans can receive up to 65% off our standard rates.

What’s more, we appreciate responsible borrowing and timely repayment, so we offer discounts for settling loans early. By taking advantage of this incentive, you can save on interest while still addressing your short-term financing needs.

What can I use the funds for?

You can you use the funds for any business purpose. Our customers generally use the funds for:
- expansions, renovations and unexpected repairs
- purchasing stock, inventory and equipment
- marketing
- hiring employees
- expenses and investments
- cash flow and growth

What are the interest rates, and how are they determined?

The interest charged by Bizcap on business loans is determined by a factor rate, which is a fixed fee that is applied over the term of the business loan. The factor rate Bizcap applies to your loan takes into account your business’s creditworthiness, the duration of the loan and the intended use of the funds, and therefore varies from one loan to the next.

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

Will applying for a loan with Bizcap negatively impact my credit score?

Small business owners avoid shopping around for the best loan offer out of an understandable concern that doing so would result in multiple credit checks. Each credit check, or "hard inquiry" can slightly lower your score. What’s more, some lenders view multiple credit inquiries within a short period as a sign of financial instability.
‍
One great thing about Bizcap is that we can make an initial offer without running a credit check, which makes applying for a loan completely risk-free.

Only once you decide to proceed with the loan do we run a hard inquiry to make the offer unconditional. If you’d like to find out how much your business would be eligible for, apply now for an obligation-free offer.

Small business loans, approved in as little as three hours

Apply Now
Copyright © Zwab Ventures PTY LTD (ACN 625 682 831), 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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Get in Touch

PO Box 195, Balaclava VIC 3183

info@bizcap.com.au1300 922 223
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