





Features of a Bizcap Unsecured Business Loan
Same day access to funds to cover one-off expenses or invest in your business
Borrow between $5,000 to $500,000
Open minded offers irrespective of existing loans, bad credit, defaults or judgements
Loan terms between 3 and 12 months
Flexible repayments and early payout available
Fast decision and funding possible in 3 hours
Minimum 5 months trading to apply
Your business needs to be turning over at least $12,000 per month
Trusted by Australian Small Businesses
Our Application Process
We make it easy so you can focus on your business
01.
Online Application
Apply online and get assigned a Loan Specialist to help you through the application process. This take under 10 minutes.
02.
Efficient assessment
Once we recieve your file, our credit team review your application and provide you with an outcome within just 1 hour
03.
Receive funds
Once approved and you accept, you can have the funds in your account within 3 hours of approval.
Fast and flexible loans to grow your business
Move fast, confidently
Fill out an application form 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
Real Customers solving their business problems with Bizcap

Industry | Retail |
---|---|
Loan Size | $670,000 |
Loan Use | Expansion |
Credit Score | 490 |
Revenue increase in the last 8 months | 380% |
State | QLD |

Industry | Transport |
---|---|
Loan Size | $75,000 |
Loan Use | General Cashflow |
Credit Score | 527 |
Turn Around Time | 2 hours |
State | VIC |

Industry | Manufacturing |
---|---|
Loan Size | $422,000 |
Loan Use | Inventory Purchase |
Credit Score | 322 |
Turn around time | 5 hours |
State | NSW |
FAQs about Bizcap
Unsecured Business Loans
How do you qualify for an unsecured business loan?
How to Apply for an Unsecured Business Loan
After we’ve got the info we need, our credit team will give your application the once-over and we’ll make you an offer. If the offer sounds good to you, you can sign the contract and we will transfer the funds quicker (well, almost quicker) than you can say Bizcap.
What can Bizcap unsecured business loans be used for?
Anything you want, as long as it’s to do with your business! Some of the things our customers use our unsecured business loans for are:
- Expansions, renovations and unexpected repairs
- Purchase stock and equipment
- Marketing
- Hire more employees
- Pay expenses
- Cash flow
Does Bizcap require personal guarantees?
Bizcap may take personal guarantee(s) from directors of corporate borrowers, directors of corporate guarantors and certain individuals.
Additional FAQ
What are the fees and repayments?
How long does it take to approve an unsecured business loan?
What is an unsecured business loan?
How are unsecured business loans repaid?
Can I repay my unsecured business loan early?
I already have a loan with another lender, can Bizcap help me?
I have a loan with you, but I need more access to funds, can you help?
What are the interest rates, and how are they determined?
Will you check my personal finances?
How are repayments structured?
How much can I borrow from Bizcap?
Bizcap’s unsecured business loans start at $5,000. 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, however, provide unsecured business loans up to $500,000 if it determines.
What if I’m a startup business?
Why are the interest rates higher than a secured loan?
^ Bizcap provides both Unsecured and Secured loans to Small Business Owners. When assessing a loan application Bizcap generally doesn’t take into consideration if a prospective customer has specific assets to provide as security. However:
(a) if the loan amount is above $30,000 (or any other figure which Bizcap determines from time to time), Bizcap will, under the loan agreement, take a charge. For a corporate borrower and any corporate guarantor, the charge is over all of that entity’s present and after-acquired property (that is, the security is not over specific assets but any and all assets which the entity may have). For a sole trader borrower and any individual guarantor, the charge is over its current and future real property; and
(b) in certain instances, for example, where the loan relative to the cash flow of the borrower is of a size that warrants the provision of security over specific assets, Bizcap may require specific security to be granted over those assets.
Bizcap may register its security interest(s) under relevant legislation, including the Personal Properties Securities Register and the register held under the Real Property Act 1900 (NSW) or its equivalent.
In addition, Bizcap may take personal guarantees from directors of corporate borrowers, directors of corporate guarantors and certain individuals. No registrations are made in respect of guarantees.
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