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Bridging Finance

Do you know funds are coming soon but need money while you wait? With Bizcap Bridging Finance, you can plug cash flow gaps at heavily reduced rates.
Loans of $150K to $2M
Save up to 65% on the cost of funds*
Funds in as little as 24 hours
Cash flow-friendly repayments
*compared with a Bizcap Secured Business Loan

Where Small Business Grows Big

in loans funded
small business loans

Business Loans
Made Simple

We’re committed to saying “yes” more often. To qualify for a Bizcap Bridging Finance Loan, you’ll need:
An active NZBN
To own property
A clear exit strategy


Applying online takes less than 5 minutes and gives us everything we need to make an initial assessment.


Our team of loan specialists will assess your application quickly, without running a credit check.


If approved, you can have the funds in your account in as little as 24 hours.

New Zealand’s Most
Open-Minded Lender

Get funds and move on

We make the application and approval process simple so you can get on with business.

Fast and friendly

Get funds approved in as little as 3 hours, plus a dedicated loan specialist who will assist throughout your journey.

High approval rates

Bad credit score? Existing loans? No issues. We look at your business on the whole to assess creditworthiness.

No credit checks

We can make you a conditional offer without running a credit check. That saves denting your score.

Flexible repayments

We offer daily and weekly repayment plans to suit your cash flow.

Early payment discounts

While other lenders penalise you for paying off your loan fast, we incentivise it.
Our Solutions

How a Spud Farmer Made $400,000 With Bizcap’s Help. The Alternative: Losing Everything

Planting season was almost over and Nicole, strapped for cash, couldn’t get spuds into the ground. When her bank wouldn’t help, she turned to Bizcap.

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‘The Meat Game’s Ruthless’: How Bizcap Loans Helped a Butcher Shop Make Ends Meet

John’s shop was bleeding cash as he tried to build up his customer base. With Bizcap’s help, he smoothed out cash flow until the shop was profitable.

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How a Bizcap Loan Helped Drive a Double-Digit Increase in Revenue at a Bakery-Café

The husband and wife owners fast-tracked renovations and purchased new equipment, driving increased sales.

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Bizcap Added $250K to an Existing Loan, Enabling a Fashion Wholesaler to Capitalise on a Surge in Sales

Facing an inventory shortfall, a fashion wholesaler secured Bizcap funding and enjoyed a prosperous Christmas sales period.

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As Income Stalled, This Plumber Leveraged a Bizcap Loan to Pay Wages and Suppliers

“We probably wouldn’t still be around if it wasn't for the loans and help we got from Bizcap,” said the small business owner.

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How Bizcap’s Fast Funding Empowered a Developer to Snag a New Property

A race against time, a call to Bizcap and an $800K loan funded that day. Discover how Bizcap’s unbeatable speed opened doors for a business owner.

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How This Book Shop Diversified Its Inventory To Capture New Customers

Briar Simmons turned the page on traditional lenders, growing her business with Bizcap's help.

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How a Mechanical Workshop Overcame Cash Flow Issues With a Bizcap Loan

Aaron was unsatisfied with his business bank, so he turned to Bizcap, where he found great service and fast access to cash.

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How Bizcap Helped a Telco Ride Out the Delayed COVID Wave

A Telecom business deemed essential during COVID faced a delayed impact. Bizcap's flexible loans supported cash flow, proving highly valuable.

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How a Bizcap Loan Breathed Life Into Marco’s Dying Toy Store

Marco’s business had hit rock bottom, but with the help of a Bizcap loan, it got back on track and doubled in size.

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This Show Bag Business Nearly Doubled Its Turnover With Bizcap Loans

With help from Bizcap, this show bag business has been able to thrive, despite the global pandemic and changing market conditions.

Read More

Ready To Apply?

Start gaining the benefits of a Bizcap business loan today!

Get in Touch

Monday to Friday: 8:30am to 5.30pm
Ground Floor, 152 Fanshawe Street, Auckland CBD, Auckland 1010

What is bridging finance?

Small business bridging finance is a short-term funding solution that helps businesses cope with temporary financial gaps. It lets them address immediate needs or opportunities by providing quick access to capital before they receive the expected funds, such as payments from clients, sales or grants. This financial bridge aids in maintaining operations, seizing opportunities, or managing cash flow until more stable, long-term financing is secured.

Bizcap offers Bridging Finance at heavily reduced rates compared with our standard solutions. What’s more, we can do it incredibly fast, funding loans in as little as 24 hours. So whether you’re waiting for payments from clients, settlements on assets or properties, grants or large sales, Bizcap can help keep your business on track in the interim.

How does bridging finance work?

Small business bridging finance operates as a short-term solution. When a business faces temporary cash flow gaps or needs quick capital, it can secure a bridging loan that allows it to cover immediate expenses or seize opportunities while waiting for expected funds, like customer payments or government grants. Once those funds come in, the business repays the bridging loan. It's a flexible and timely financial tool that helps small businesses bridge financial gaps without disrupting operations.

Bizcap offers Bridging Finance of $150,000 to $2 million for up to 12 weeks, funding loans in as little as 24 hours. We offer these at a heavily reduced rate compared with our standard loans — up to 65% off, depending on the circumstances.

What are the advantages of bridging loans?

Business bridging loans furnish small businesses with strategic advantages. Swift access to funds empowers timely decision-making and capitalizing on opportunities. The short-term nature of bridging loans addresses cash flow needs without long-term commitments, offering flexibility for dynamic demands. Whether navigating opportunities or challenges, these loans ensure operational continuity for small businesses. Bizcap Bridging Finance has the added advantage of offering heavily reduced rates compared to our standard loans, up to 65% off depending on the scenario. Furthermore, they can be funded in as little as 24 hours.

What type of loans does Bizcap offer?

Bizcap specialises in providing fast and flexible business loans to small and medium-sized businesses. Our solutions include Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and Lines of Credit. Our loan sizes vary from $5,000 to $2,000,000 and Lines of Credit are available up to $300,000.

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How much can I borrow from Bizcap?

Bizcap offers business loans of $5,000 to $2,000,000 and Lines of Credit up to $300,000. To find out more about each of our loans, compare our solutions.

The specific amount of your business loan is influenced by factors like your business's cash flow, operational duration, assets, and loan purpose. We assess these aspects to gauge your business's health and creditworthiness.

Our aim is to offer customized loans that address each business's unique financial needs, minimizing risk for both parties. By thoroughly evaluating factors contributing to your business's financial health, we determine an appropriate loan amount and terms to support sustained growth and success.

How quickly can I get a business loan from Bizcap?

At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast and Small Business Loans can be approved within 3 hours and funded that day.

Our other solutions can be issued in as little 24 hours. If you need funds sooner, let your Loan Specialist know and they can fast track your application. This quick turnaround ensures our customers get access to the funds they need to meet their obligations and grow in a competitive market.

How do I qualify for a bridging loan?

Generally speaking, to qualify for a small business bridging loan, businesses must demonstrate a viable repayment plan, financial stability and collateral. Lenders assess creditworthiness and require a clear exit strategy. Meeting these criteria, along with transparent financial documentation, enhances eligibility in small business lending.

To qualify for Bizcap Bridging Finance, you’ll need to meet our minimum eligibility criteria of having an active NZBN, to be the owner of property and a clear exit strategy.

How long does it take to get a bridging loan approved?

Small business bridging loan approval times vary, usually taking days to weeks. Factors like application complexity and documentation completeness influence the speed. Streamlining the process, promptly submitting required documents, and choosing an efficient lender can expedite small business bridging loan approvals.

Bizcap prides itself on offering fast and flexible small business loans, and our bridging finance is no different. With Bizcap Bridging Finance, you can get funds in as little as 24 hours.

Are there any alternatives to bridging finance?

Alternatives to small business bridging finance include bank loans, lines of credit, business cash advances, crowdfunding, angel investors, venture capital and government grants. Each choice has unique terms, providing flexibility for small businesses to select the financing method that suits their needs. At Bizcap, we offer several alternatives to bridging finance, including Fast Business Loans, Small Business Loans, Secured Business Loans and Lines of Credit.

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Can I get a bridging loan with bad credit?

Securing a bridging loan with bad credit can be challenging, as lenders typically consider credit history. However, specialised lenders like Bizcap offer options. Bizcap has no minimum credit score requirements and doesn’t run a credit check to make an initial loan offer. Bizcap can also accept businesses with defaults and judgments, as well as those with existing loans and IRD debt, depending on the scenario.