After being declined by another lender due to recent tax debt, a Wellington fashion retailer turned to Bizcap for support. With a $120K Prime Loan approved fast, they were able to launch their summer collection on time—selling out in just six weeks and generating over $415K in revenue.

About Prime  

Bizcap’s Prime Loan is designed for growing businesses with strong fundamentals. Offering lower rates, longer terms (9–12 months) and higher limits—now up to $2 million—Prime is ideal for established SMEs looking to invest in growth without the pressure of shorter repayment schedules.    

The challenge

A large IRD tax payment had recently drained the business's cash flow, putting a strain on working capital and  leaving no room to restock or promote the launch. Despite strong sales history and seasonal momentum, that short-term hit to liquidity saw them declined by another fintech lender. The timing couldn’t have been worse—the business risked missing their most profitable period of the year.

The opportunity  

After a quick conversation and review by our credit team Bizcap approved a $120K Prime Loan within hours—tailored to fit their seasonal cash cycle and backed by a longer 9-month term and lower interest rates.

We took the time to understand the business’s trajectory. We didn’t fixate on a one-off tax payment—we focused on what mattered: a strong trading history, a proven sales model, and a clear opportunity to convert funding into profit.

With funding in hand, the business could move swiftly—restocking inventory, activating their marketing campaign and driving seasonal sales.

The outcome

In just six weeks, the entire collection sold out—generating over $415K in revenue.

The Prime Loan didn’t just help them stay afloat—it allowed them to invest ahead of demand. With cashflow restored and momentum back on their side, the business has already opened discussions for additional funding to support future growth.

Why it worked

Bizcap’s open-minded approach went beyond surface-level credit checks. Instead of penalising them for recent tax debt, we looked at the bigger picture: solid trading history, strong seasonal trends, and a clear strategy for growth.

That’s exactly what our Prime Loan product is built for.

With our new introduction of prime loans up to $2M  lower rates, and approvals in as little as 3 hours, we’re helping growing Kiwi businesses seize their next big opportunity.

Why Prime? Why Bizcap?

Some business opportunities don’t wait—and neither do we.  

Bizcap’s Prime Loan is built for businesses that need to move fast, with lower rates, longer terms, and approvals in as little as 3 hours.  

Whether you’re restocking before peak season, scaling to meet demand, or backing a new contract, Prime gives you the breathing room to act with confidence—never compromising on speed.  

👉 Speak to our team today to learn more about Prime 0800 249 227

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