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.  

Big contract. Bigger opportunity.

After landing a lucrative contract with a national retail chain, this Christchurch-based equipment supplier was poised for a major step forward. But big opportunities often come with big upfront costs. To fulfil the initial bulk orders and lock in supplier discounts, they needed fast access to capital.

The problem? Their credit score had taken a hit during COVID, and traditional lenders weren’t willing to look past it. Despite strong recent revenue growth and a clear commercial upside, they kept hearing “no”—until they applied with Bizcap.  

The Prime solution

Where other lenders chose to look at the past, Bizcap looked at the full picture.

Within just six hours of receiving their application, Bizcap approved a $530,000 Prime loan—designed specifically for businesses with strong fundamentals. By the following day, the funds were in their account, allowing them to place large volume orders at discounted rates.

That quick injection of working capital gave them the momentum they needed. They were able to place bulk orders immediately, taking advantage of supplier discounts that increased their margins by 12%.

They were also able to deliver the first round of product ahead of schedule—exceeding the expectations of their new national client and setting the tone for a strong commercial relationship. Their reliability and responsiveness earned them an extended supply agreement, locking in future revenue and cementing their role as a key national supplier.

Why it worked

The longer term and lower rates gave this supplier the breathing room to execute confidently, without the strain of compressed repayment timelines. Unlike fast loans that demand fast repayments, Prime is designed to support longer-term plans, as well as plugging short-term gaps. The structure allowed them to balance repayments with operational priorities.

It was the right loan, at the right time, from the right lending partner.  

A partner who sees more than the numbers

More than half of Bizcap customers say our funding helped them unlock growth opportunities—and 57% were turned down previously by another lender first. We move fast, look at the whole picture, and support SMEs with funding that actually works for their business.

If your client’s next big win is stuck behind slow funding, we may be able to help. Our Prime loans in New Zealand range from $50,000 to $2 million, with lower rates, 9–12 month terms, and approvals in as little as 3 hours.

📞 Call 0800 249 227 or email partners@bizcap.nz

Or reach out to your BDM to discuss a scenario today.