Bizcap review
Commercial
Best suited for business owners with impaired credit needing very fast short-term funding assessed on revenue
Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. See our Credit Guide.
Advertised rates
Not published. Priced as a risk-adjusted factor rate - a fixed fee over the term that Bizcap states varies from one loan to the next.
Approval speed
Approval in as little as 3 hours with same-day funding on fast and small business loans; other products funded in as little as 24 hours
Credit-profile fit
Explicitly bad-credit tolerant - 'bad credit score? existing loans? no issues' - assessing the business as a whole; some Line of Credit variants require minimum credit scores of 400 - 500.
Pros & cons
Pros
- Approval in as little as 3 hours, same-day funding
- Considers bad credit and existing loans
- Conditional offer without an upfront credit check
- Early settlement discounts and no payout penalty
- Low-doc application via linked bank statements
Cons
- No rates published - factor-rate pricing varies per loan
- Establishment fee amount not disclosed until offer
- Terms only 3 - 12 months with daily or weekly repayments
- Site publishes conflicting maximums ($5M vs $7.5M) for some products
Key features
- Fast business loans $5,000 - $500,000 over 3 - 12 months
- Small business loans up to $7.5M (Bizcap's compare table shows $5M - both figures are on its site)
- Secured loans $30,000 - $7.5M; bridging finance $150,000 - $7.5M
- Line of Credit $15,000 - $750,000
- Daily or weekly direct-debit repayments
- Conditional offer without an upfront credit check
- Direct, self-funded lender; low-doc application around 3 minutes
Fees
- Establishment fee agreed upfront - amount not published
- No early-payout penalty; discounts given for settling early
Frequently asked questions
Who is Bizcap best suited to?
Based on our review, Bizcap is best suited for business owners with impaired credit needing very fast short-term funding assessed on revenue.
What are Bizcap's rates?
Not published. Priced as a risk-adjusted factor rate - a fixed fee over the term that Bizcap states varies from one loan to the next.. Rates and fees are current as at 30 July 2026 and are subject to change by the lender at any time.
What fees does Bizcap charge?
Establishment fee agreed upfront - amount not published. No early-payout penalty; discounts given for settling early.
How fast is Bizcap's approval?
Approval in as little as 3 hours with same-day funding on fast and small business loans; other products funded in as little as 24 hours.
What credit profile does Bizcap accept?
Explicitly bad-credit tolerant - 'bad credit score? existing loans? no issues' - assessing the business as a whole; some Line of Credit variants require minimum credit scores of 400 - 500.
How do I apply through Bizcap?
Start a Loanseekers enquiry and we compare Bizcap against 70+ lenders for your situation. The initial check does not affect your credit score, and our specialists manage the application to settlement.
See if Bizcap suits your situation
One enquiry compares Bizcap against 70+ lenders for your exact position. No obligation, no impact on your credit score to enquire.
This is general information only, not personal advice; we have not considered your objectives, financial situation or needs. Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. Approval is subject to lender criteria. See our Credit Guide.
Rates and fees current as at 30 July 2026. Rates and fees are subject to change by the lender at any time.
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