Partner with New Zealand’s most open-minded lender

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If you are a potential referrer, finance broker or accountant, partnering with Bizcap will give you more options to help your SME customers fast and more often.
} Quick and easy applications
L Small Business loans up to $1,000,000
We lend more
You will have dedicated support to help guide your customers through any confusion.

We provide quick decisions and can arrange fast funding for your clients.

As a partner, Bizcap provides you with the transparency you need to be comfortable referring or submitting your client’s application.
We have the technology, process and systems to deliver the fastest turnarounds empowering you to provide hassle-free solutions.

We pride ourselves on supporting those that need it most; this means we welcome clients:

We lend to customers with defaults or judgements (even those previously declined)

We offer shorter
terms favourable to cashflow

We lend quicker (Application > Fund within 3 hours)

We approve and renew at a higher rate

We lend to more people & industries

We lend to customers with defaults or judgements (even those previously declined)

We offer shorter terms favourable to cashflow

We lend quicker (Application > Fund within 3 hours)

We approve and renew at a higher rate

We lend to more people & industries

What do our partners say?


SA Broker

Bizcap has been the easiest partner to work with. In March I called to discuss a scenario for one of my clients that has a construction company that was affected


VIC Broker

Bizcap this week went above and beyond to help one of my clients that was a restaurant owner. My client was so disheartened after being declined but needed some additional


NSW Broker

Partnering with the team at Bizcap has been great, they’re fast at matching our customers’ needs with a loan and keeping us up to date with the progress.


VIC Broker

Bizcap provides us with an opportunity to fund customers we wouldn’t normally be able to, particularly those with not-so-perfect credit scores.

How it works

Submit you client details
Submit your clients details on behalf of your client and allow Bizcap to complete your clients application on your behalf and or submit a completed application.

We review & assess
Bizcap will provide a quick assessment of your client’s information and will provide a conditional offer which will show repayments and the applicable interest rate within a couple of hours.

Once the offer is accepted your, we complete the credit checks, send a contract via DocuSign, confirm the finer details over the phone with the client and then transfer the funds to the client then and there.

You get paid commission
After the loan settles, we’ll raise an invoice and transfer your commission weekly.

FAQS: Partners

How soon can my client(s) get the funds?

Provided that a complete application is submitted, your clients can have the funds in their accounts in as little as three hours. Please call us if you have a client who requires desperate funding, and we’ll make your client our top priority.

How can a Bizcap loan help your client(s)?

 Often, customers come to us after previously being declined from another lender for a range of reasons, they are often pretty disheartened about the whole process. In a lot of cases, they have damaged their credit score further by shopping around. We also have many clients that have received financing but not enough, so come to us for the additional funds to close the gap on the shortfall. 

We pride ourselves on being Australia’s most open-minded lender. Therefore, the overwhelming majority of our clients have:

  • Been rejected by other traditional lenders
  • Not received the entire amount they seek from other lenders and use financing from Bizcap to close the gap on the shortfall.
  • Poor credit scores
  • Defaults or judgments
How much capital can I get for my clients and what's the general term of the loan?

We provide loans from $5,000 to $600,000, and our loan terms vary from 3 – 12 months. Payment terms are either daily or weekly. The total amount of the loan will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of your business based on this information.

  • Loan amount: between $5,000 –  $600,000
  • Loan term: varies from 3 – 12 months
  • Payment frequency: either daily or weekly. In some cases, the payment schedule can consist of both weekly and daily payments.
What does Bizcap consider when reviewing an application?

Our primary considerations:

  •  The overall health of the business in terms of cash flow
  •  The business’ average end of day balances
  • Frequency and volume of monthly deposits

Our secondary considerations:

  • Time In business. We require businesses to be operating for a minimum of six months
  •  Loan repayment history with other lenders 

 You can find details for eligibility on your Broker Cheat Sheet, contact us if you’d like us to email you.

What if my clients need more funds?

Pre-settlement: If your client is not satisfied with the loan approval, please contact us to explain your specific needs. We will always try our best to work collaboratively with you to help our clients. 

In addition, you can reassure your client that we can typically offer additional funding in as little as 4-6 weeks. 

Our post-settlement process entails regular check-ins with your clients to see whether they need access to more capital. However, if you have a client that you know would like additional funding, please contact us directly.

Do I have to be involved in the application process, or can I simply provide customer contact details and allow you to contact the client on my behalf?

We are very flexible, you have options, just let us know what you’d prefer

If you would prefer to be in contact with your client, you can:

  1. Provide an application and up to date bank statements. We will assess your customer’s application from here. 
  2. Provide contact details for your client. We will then send you secure, customised links for you to send to the customer. 

If you would prefer to allow us to facilitate the application, we’re more than happy to do so.

What’s the benefit of a broker referring to Bizcap as opposed to another SME lender?

The main benefit is being able to get funds for your clients, specifically the more tricky deals or clients that have been previously declined by other lenders.

I have a customer in mind that I’m not sure they would be a suitable Bizcap candidate, I don’t want to affect their credit score by running credit, can you guys help?

Simply call us or fill out the Partner Form and we can run through the scenario with you. In most cases, we can provide a conditional offer subject to credit checks.

What type of Small Business loans does Bizcap offer?

Bizcap offers both unsecured business loans and secured business loans. Our loan sizes vary from $5,000 to $750,000.

Does Bizcap require personal guarantees?

Bizcap may take personal guarantee(s) from directors of corporate borrowers, directors of corporate guarantors and certain individuals.

Is any security required on a Bizcap Small Business loan?

When assessing a loan application, Bizcap generally does not take into account whether a prospective borrower has specific assets to provide as security.

If the loan amount is above $30,000 (or any other figure Bizcap determines from time to time), Bizcap will, under the loan agreement, take a charge over the assets of the borrower and its guarantor(s). Bizcap may register its security interest(s) on the relevant register including the Personal Properties Securities Register and the relevant land interests register. In certain instances, Bizcap may require specific security to be granted over assets. Examples of security (based on loan size and the customer’s individual circumstances) include charges over bank accounts, vehicles or other personal property or caveats over land.

When assessing a loan application, Bizcap generally does not take into account whether a prospective borrower has specific assets to provide as security.

Security and assets are not required for an application regardless of the loan amount.


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