With small business loans in as little as 3 hours…

We can provide you with access to a business loan in as little as 3 hours. That’s the entire time it can take from getting your application in (with bank statements) to having the funds land in your preferred bank account.

Assuming you complete the Application (it takes approximately 5 minutes) correctly you can receive a loan offer within 2 hours and if approved funds in your account within 3 business hours. Funding can be held up when a customer provides us with partial or inaccurate supporting documentation. If you need funds quickly, please just let your account manager know and we can ensure to have your application escalated.

Bizcap is the direct lender and we’re self-funded, this reduces the red tape that we have to approve or decline customer applications. Banks can often take weeks if not months to get you an outcome for a business loan, non-bank lenders can often take days, at Bizcap, we can get you access to to the capital within 3 hours, there is no other business lender that can offer this currently, this makes us – the fastest business lender in New Zealand!

The biggest factor that can impact the time it takes for you to get a small business loan with Bizcap is delays in getting the relevant documentation to us. For us to make you a loan offer we simply require your bank statements, to confirm the loan offer and get the funds in your accounts we may require additional documentation to ensure we have the ‘whole picture’. We’re a low doc lender meaning we require a low amount of documentation in comparison to other lenders (both bank and non-bank)

We have some eligibility criteria that you’ll need to tick off, you must have an active NZBN, be in business for at least 5 months and have at least $12,000 in monthly turnover.

No worries, we can provide you with a short-term business loan to help bridge your cash flow gap or make a quick purchase! We’ll even give you a discount for paying out your loan early!

You sure can! We don’t penalise you for doing so – there are no early repayment fees or anything like that. If you know you only need the capital for a short period – for example, to buy stock that you’ll sell in two or three weeks, let your Short Term Loan Specialist know and we’ll arrange an early payment discount for you.

You can repay your fast business loan weekly or daily, and the repayment will automatically be taken from your business bank account.

Bizcap can provide you with capital anywhere between $5,000 and $2,000,000. The amount is dependent on your individual financial position.

Absolutely. Many of our clients have loans with other lenders.

Sure thing. If you’ve had a loan with us for at least seven weeks, give your short term loan specialist a call, and we’ll do our very best to help you again!

It differs from client to client. We call it a Factor Rate, and it’s a fixed fee on the term of the loan. It’s based on the risk assessment on your loan and, as you build a relationship with us, that Factor Rate will decrease. Your interest rate will depend on several things, including your cash flow, how long you’ve been in business, your assets and what you intend to use the funds for.

No. We’re not a personal lender, so we don’t need to check your personal finances – unless your business transactions are going into your personal account. We just need your business bank statements. We will, of course, check the credit reports of the business and its owner(s).

Repayments are made weekly or daily over the term of the loan, which can be anything from three to 12 months.

We usually need a minimum of six months’ trading history, however, if you have an existing business and need funding for a new venture, please get in touch and we’ll be able to quickly assess whether we can help you or not.

Bizcap offers both Unsecured Business Loans and Secured Business Loans. Our loan sizes vary from $5,000 to $2,000,000 dependent on the loan type and the customer profile.