Small business loans, funded within 3 hours.
Features of a Bizcap Small Business Loan
Same day access to funds to cover one-off expenses or invest in your business
- Borrow between $5K to $4M
- Open minded offers (irrespective of existing loans, bad credit, defaults or judgements)
- Funding in as little as 3 hours
- Loan terms between 3 and 12 months
- Flexible repayments and early payout available
Our Simple Application Process
Our online application process takes less than 5 minutes to complete and gives us all the information we need to make an offer.
Our team assess your application quickly, taking into consideration cash flow and general cash management.
If approved, you can have the funds in your account within 3 hours – even if you have existing loan facilities.
What Can I Use a Small Business Loan For?
- General Cashflow
- Expand your business
- Shop fit-outs and refurbishments
- Cover tax / BAS lump payments
- Invest in technology or software
- Buy a new business vehicle
- Expansions, renovations and unexpected repairs
- Purchase stock, machinery and equipment
- Hire employess and pay wages
- Pay expenses
- Any other business related use
Fast and Flexible Loans to Grow Your Business
Move fast and confidently
Fill out a application form, upload your statements and get a decision within an hour & funds within 3 hours.
High approval rates
We’re Australia’s most open-minded lender and can often help even if you’ve been declined by others before
Cash flow friendly repayments
Once you have your loan with Bizcap, we organise daily or weekly repayments based on your businesses peaks and troughs
What do our customers say about our small business loans?
Such efficient, fast service. Thank you very much.
When in a hurry to purchase equipment Bizcap are the ones I go to. Everything is smooth and quick from start to finish. Application is easy, just a quick phone call away. Highly recommend Bizcap
Quick and efficient! Had the funds required within 4 hours of application. Paul was fantastic to deal with and explained everything very clearly.
I’m so happy with the service and speed that Bizcap provided! I had been messed around by another lender for a few weeks, when I enquired with Bizcap they sorted me with the funds in a few hours. Would recommend them to anyone wanting an actual outcome!
FAQs About Bizcap’s Small Business Loans
At Bizcap, we understand the importance of quick and efficient financing solutions for businesses. That’s why we strive to provide small business loans in a timely manner. In fact, we can offer access to a small business loan in as little as 3 hours. This rapid turnaround time includes the entire process, from submitting your application with the required bank statements to having the funds deposited into your preferred bank account.
The speed at which we can provide small business loans is particularly beneficial for businesses that need immediate funding to seize growth opportunities or address urgent financial needs. By offering fast access to small business loans, Bizcap helps business owners capitalize on opportunities without the delays often associated with traditional lending processes.
In summary, Bizcap is committed to providing fast access to small business loans, with the entire process taking as little as 3 hours from application to fund disbursement. This quick turnaround time enables businesses to access the financing they need to grow and thrive in today’s competitive market.
At Bizcap, we recognize the importance of providing fast and efficient financing solutions for businesses in need of a small business loan. We have streamlined our application process to ensure that you can receive the funds you need as quickly as possible. If you complete the small business loan application accurately, which takes approximately 5 minutes, you can expect to receive a loan offer within 2 hours. Once approved, the funds can be in your account within 3 business hours.
However, it is important to note that the funding process for small business loans can be delayed if a customer provides partial or inaccurate supporting documentation. To ensure the fastest possible access to your small business loan, make sure to provide complete and accurate information when applying.
If you need funds urgently, be sure to inform your account manager about your situation, and we can ensure that your small business loan application is escalated in priority. Our goal is to help you secure the necessary small business loans to support your business’s growth and success without unnecessary delays.
In summary, assuming you complete the small business loan application accurately, you can receive a loan offer within 2 hours and have the funds in your account within 3 business hours. To expedite the process, communicate your needs with your account manager and provide complete and accurate supporting documentation.
Bizcap sets itself apart from other lenders by offering rapid financing solutions for small business loans. As a direct lender and being self-funded, Bizcap can significantly reduce the red tape typically involved in the approval or decline of customer applications for small business loans.
Traditional banks can often take weeks or even months to provide an outcome for a small business loan application. Non-bank lenders, while generally faster than banks, can still take several days to process small business loans. In contrast, Bizcap can grant you access to the capital you need within just 3 hours. This exceptional speed makes Bizcap the fastest business lender in Australia for small business loans.
Our ability to fund small business loans more quickly than other lenders is a result of our streamlined application and approval process, which eliminates unnecessary bureaucracy and focuses on delivering the funds you need to support your business’s growth and success.
In summary, Bizcap is able to fund small business loans more quickly than other lenders because we are a direct, self-funded lender. This allows us to reduce red tape and expedite the application and approval process, providing you with access to the capital you need within just 3 hours. This makes Bizcap the fastest business lender for small business loans in Australia!
When applying for a small business loan with Bizcap, the primary factor that can hold up your small business loan application is delays in providing the necessary documentation to us. For us to make you a small business loan offer, we initially require your bank statements. However, to confirm the loan offer and deposit the funds into your account, we may need additional documentation to ensure we have the ‘whole picture’ of your business’s financial situation.
Bizcap prides itself on being a low doc lender, meaning we require fewer documents for small business loans compared to other lenders, including both banks and non-bank lenders. This streamlined approach allows us to expedite the small business loan application process, but it is still essential for applicants to provide the requested documentation in a timely manner.
To minimize delays in your small business loan application, be sure to gather and submit all relevant documentation promptly. This will enable Bizcap to quickly assess your eligibility for a small business loan and, if approved, deposit the funds into your account as soon as possible.
In conclusion, the main factor that can hold up your small business loan application with Bizcap is delays in providing the necessary documentation. As a low doc lender, Bizcap requires fewer documents than other lenders, but it is still crucial to submit the requested information promptly to avoid delays in your small business loan application process.
At Bizcap, we have established specific eligibility criteria to ensure that our small business loans are accessible to a broad range of businesses. To apply for a small business loan with Bizcap, you must meet the following requirements:
- Have an active ABN: To apply for a small business loan, your business must be registered with an active Australian Business Number (ABN). This demonstrates that your business is operating legally in Australia.
- Be in business for at least 6 months: Bizcap requires that your business has been in operation for a minimum of 6 months. This requirement helps us assess your business’s stability and potential for growth, ensuring that our small business loans are provided to businesses with a proven track record.
- Have at least $12,000 in monthly turnover: Your business must generate a minimum of $12,000 in monthly revenue to be eligible for a small business loan with Bizcap. This financial criterion helps us determine your business’s ability to manage and repay the small business loan.
By meeting these criteria, you can confidently apply for a small business loan with Bizcap, knowing that our financial solutions are designed to support businesses like yours. So, to apply for a small business loan with Bizcap, ensure that your business has an active ABN, has been operating for at least 6 months, and generates a minimum of $12,000 in monthly turnover.
If you only need a small business loan for a few weeks, Bizcap can help by providing a short-term small business loan tailored to your needs. Our small business loans can be a flexible solution to bridge cash flow gaps, make quick purchases, or address other short-term financial requirements.
At Bizcap, we understand that small businesses may sometimes need short-term financial support, which is why we offer small business loans with varying terms. If you know that you will only need a small business loan for a brief period, just let us know, and we can structure your small business loan accordingly.
Moreover, we appreciate responsible borrowing and timely repayment, so we offer a discount for early repayment of your small business loan. By taking advantage of this incentive, you can save on interest and fees while still addressing your short-term financing needs.
In conclusion, if you require a small business loan for just a few weeks, Bizcap can provide a short-term small business loan to meet your unique requirements. And, by repaying your small business loan early, you can benefit from a discount on your loan as well.
Yes, you can definitely repay your business loan early. In fact, we encourage early repayment of business loans if it suits your financial situation. Unlike some lenders, we do not penalize borrowers for early repayment of business loans. This means there are no early repayment fees or other charges associated with paying off your business loan ahead of schedule.
business loans are designed to be flexible and accommodating to the unique needs of businesses. If you know that you only require the capital for a short period – for example, to purchase stock that you’ll sell in two or three weeks – it’s a good idea to let your Unsecured Loan Specialist know. In such cases, we can arrange an early payment discount for you, making the early repayment of your business loan even more advantageous.
By repaying your business loan early, you can potentially save on interest costs and improve your business’s financial standing. The flexibility and convenience offered by business loans, including the option for early repayment without penalties, make them an attractive financing solution for businesses with varying financial needs and goals.
business loans offer a convenient and flexible repayment structure designed to accommodate the needs of businesses. Repayments for business loans can be made on a weekly or daily basis, depending on the terms agreed upon with the lender. The frequency of repayments for business loans can help businesses manage their cash flow more effectively and ensure timely repayment of the loan.
The repayment process for business loans is designed to be simple and hassle-free. Payments are automatically deducted from your business bank account, making it easy for you to stay on top of your business loan obligations without the need for manual intervention.
By offering a straightforward repayment process, business loans help businesses maintain a healthy financial standing and focus on their core operations. The automatic deductions from your business bank account ensure that the business loan is repaid consistently and on time, reducing the risk of late payments or default.
In summary, business loans are repaid through automatic deductions from your business bank account on a weekly or daily basis, depending on the terms agreed upon with the lender. This repayment structure for business loans is designed to be convenient and easy to manage, helping businesses maintain a healthy cash flow and successfully repay their loans.
At Bizcap, we offer a wide range of business loan amounts to accommodate the diverse financial needs of businesses. Our business loans range from $5,000 to $4,000,000, with loan terms varying from 3 to 12 months. The payment terms for these business loans are either daily or weekly, providing flexibility and convenience for borrowers.
The total amount of your business loan will depend on the specific circumstances of your business. We carefully consider a variety of factors to determine the health and creditworthiness of your business before lending accordingly. Factors such as your business’s cash flow, the length of time you’ve been in operation, your assets, and the purpose of the loan all play a role in determining the appropriate amount for your business loan.
Our goal is to provide tailored business loans that meet the unique financial needs of each business while minimizing risk for both the lender and borrower. By carefully evaluating the factors that contribute to the financial health of your business, we can determine the most suitable business loan amount and terms to support your business’s ongoing growth and success.
In summary, Bizcap offers business loans ranging from $5,000 to $4,000,000, with loan terms varying from 3 to 12 months and payment terms that are either daily or weekly. The total amount of your business loan will depend on the specific circumstances of your business, as we consider a variety of factors to assess the health of your business and lend accordingly.
Absolutely, Bizcap can still help you even if you already have a business loan with another lender. It’s not uncommon for businesses to have multiple business loans from different lending institutions. In fact, many of our clients have business loans with other lenders while seeking additional financing options from Bizcap.
Bizcap offers a variety of business loan products and services that can cater to your specific financial needs. Whether you are looking for additional funds to support your business’s growth, manage cash flow, or address unforeseen expenses, Bizcap can provide a tailored business loan solution that complements your existing financing arrangements.
It’s important to carefully assess your business’s financial situation and capacity to manage multiple business loans before taking on additional debt. However, with responsible borrowing and a clear understanding of your financial obligations, having multiple business loans from different lenders can help support your business’s ongoing success and growth.
In summary, Bizcap can indeed help you with a business loan even if you already have a loan from another lender. By offering a range of business loan products and services, Bizcap can provide the financial support your business needs while taking into consideration your existing debt obligations.
Absolutely, we can help you if you already have a business loan with us and need additional access to funds. It’s not uncommon for businesses to require more financial support as they grow or encounter unexpected expenses. If you’ve had a business loan with us for at least seven weeks, you can reach out to your unsecured loan specialist to discuss your options for obtaining additional business loans.
We understand that businesses may have changing financial needs, and we aim to be as accommodating as possible in providing the necessary support through our business loan offerings. Your unsecured loan specialist will evaluate your current financial situation and the performance of your existing business loan to determine if you are eligible for additional funds.
It’s important to remember that taking on multiple business loans should be done responsibly and with a clear understanding of your financial obligations. By carefully assessing your needs and the capacity to manage additional business loans, you can ensure that your business continues to grow and thrive.
In summary, if you have an existing business loan with us and need more access to funds, we are here to help. Contact your unsecured loan specialist to discuss your options for additional business loans, and we’ll do our very best to support your business’s financial needs.
Interest rates for business loans can vary significantly from client to client, as they are determined by multiple factors that are unique to each business. These rates are often referred to as a Factor Rate, which is a fixed fee applied over the term of the business loan. The Factor Rate for business loans is based on the risk assessment of your loan, and as you build a relationship with us, that Factor Rate will likely decrease.
Your interest rate for a business loan will depend on several factors, including your cash flow, how long you’ve been in business, your assets, and what you intend to use the funds for. These factors help lenders evaluate the risk associated with providing business loans, allowing them to determine an appropriate interest rate that reflects the level of risk.
As you establish a strong repayment history and demonstrate responsible borrowing behaviour, the interest rate for future business loans may decrease. This is because a positive lending relationship can lead to lower perceived risk, resulting in more favourable interest rates for your business loans.
In summary, interest rates for business loans are determined by a variety of factors that are unique to each borrower, such as cash flow, business history, assets, and the purpose of the loan. By considering these factors and assessing the risk associated with each business loan, lenders can establish a Factor Rate that reflects the appropriate interest rate for your specific financial situation. As you build a strong relationship with your lender, the interest rates for your business loans may decrease, providing more favourable financing options for your business’s continued growth and success.
When evaluating your application for a business loan, our primary focus is on your business’s financial health rather than your personal finances. As we are not a personal lender, we typically do not need to check your personal finances when determining your eligibility for business loans. However, if your business transactions are going into your personal account, we may need to review those transactions to gain a better understanding of your business’s financial situation.
For business loans, we mainly require your business bank statements to assess the financial strength and creditworthiness of your business. This helps us determine the risk associated with providing business loans and ensures that we can offer the most suitable financing options for your business’s needs.
In addition to reviewing your business bank statements, we will also check the credit reports of the business and its owner(s) as part of the business loan application process. This is a standard practice when evaluating business loans, as it helps lenders assess the credit history and overall financial responsibility of both the business and its owner(s).
In summary, when applying for business loans, we focus primarily on your business’s financial health rather than your personal finances. We review your business bank statements and the credit reports of the business and its owner(s) to determine the risk associated with providing business loans and to ensure that we can offer the most appropriate financing options for your business’s needs.
At Bizcap, we have designed our small business loan repayment structure with flexibility in mind to accommodate various business needs. Repayments for small business loans can be made either weekly or daily, depending on your preference and cash flow situation.
The term of your small business loan can range from three to 12 months, providing you with a variety of options to choose from when determining the best repayment plan for your small business. This flexible repayment structure allows you to select the terms that best suit your business’s financial situation and cash flow.
In summary, Bizcap’s small business loan repayments are structured to offer maximum flexibility to borrowers. With the option to make repayments weekly or daily and choose a small business loan term between three and 12 months, you can tailor your small business loan repayment plan to fit your specific business needs.
For startup businesses seeking a business loan, it’s important to note that we typically require a minimum of five months’ trading history. This allows us to assess the financial health and viability of your business before providing business loans to support your growth and operations.
However, if you have an existing business and need funding for a new venture, we encourage you to get in touch with us. We understand that each business is unique and may have different financing needs, so we are open to discussing the possibility of providing business loans for your new venture.
By quickly assessing your existing business’s financial health and the potential of your new venture, we can determine whether we can help you with a business loan. Our goal is to offer tailored business loans that meet the specific financial requirements of each business while minimising risk for both the lender and borrower.
In summary, if you are a startup business seeking a business loan, we usually require a minimum of five months’ trading history. However, if you have an existing business and need funding for a new venture, we invite you to contact us so we can quickly assess whether we can provide the business loans you need to support your growth and success.
Bizcap specializes in providing a variety of small business loan options to cater to the diverse financial needs of small businesses. Our small business loan offerings include both Unsecured Business Loans and Secured Business Loans.
Unsecured small business loans are loans that don’t require any collateral or assets as security. These small business loans are typically based on your business’s cash flow, creditworthiness, and other related factors. The loan amounts for unsecured small business loans can range from $5,000 to $4,000,000, depending on the customer’s profile and financial circumstances.
Secured small business loans, on the other hand, are loans backed by collateral, such as real estate, equipment, or other valuable assets. By providing collateral, businesses can potentially access larger loan amounts and better interest rates than unsecured small business loans. However, the loan amount and terms for secured small business loans will also depend on the customer profile and the value of the assets used as collateral.
In conclusion, Bizcap offers a variety of small business loan options, including both unsecured and secured small business loans, to cater to the diverse needs of small businesses. With loan amounts ranging from $5,000 to $4,000,000, we strive to provide customised small business loan solutions tailored to each customer’s unique financial situation.