Hassle-free solutions for your clients, industry-leading commission for you.
It’s time to partner with New Zealand’s most open-minded lender! We pride ourselves on helping your SME customers faster, and more often. Get accredited with Bizcap today, or call us on 0800 249 227 for more information.
Get Started
We support New Zealand SMEs and ensure we go above and beyond to help our clients. If you’re a potential referrer, finance broker or accountant, get in touch and start your partnership with Bizcap today!
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Quick and easy applications
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Small Business loans up to $1,000,000
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We lend more
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You will have dedicated support to help guide your customers through any confusion.
We make quick decisions and arrange fast funding for your clients
As a partner, Bizcap provides the transparency you need to be comfortable when referring or submitting your client’s application. We have the technology, process and systems to deliver the fastest turnarounds in the industry, empowering you to provide hassle-free solutions.
Supporting Those That Need it Most
We lend to customers with defaults or judgements (even those who were previously declined).
We offer shorter terms that are favourable to cash flow.
We lend quicker than our competitors (applications can be funded within 3 hours).
We approve and renew at a higher rate.
We lend to more people and industries.
Supporting Those That Need it Most
We lend to customers with defaults or judgements (even those who were previously declined).
We offer shorter terms that are favourable to cash flow.
We lend quicker than our competitors (applications can be funded within 3 hours).
We approve and renew at a higher rate.
We lend to more people and industries.
How Does it Work?
Partner Portal set-up:
Submit your clients’ details using the Partner Portal and get live access to the deal flow. We’ll contact either you or your clients (based on your choice).
We review & assess:
Bizcap will quickly assess your client’s information and within a couple of hours, provide a conditional offer which will show repayments and the applicable factor rate.
Offer acceptance & fund transfer:
Once the offer is accepted, 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 your commission:
After the loan settles, we’ll raise an invoice and transfer your commission weekly.
What do our partners say?
For more customer success stories and partner testimonials, visit the Bizcap Reviews page.
Akiva
Bizcap provides us with an opportunity to fund customers we wouldn’t normally be able to, particularly those with not-so-perfect credit scores.
Jacinta
Bizcap went above and beyond. My client needed some additional capital to shift his business from dine-in to take way. Bizcap provided two loans to my client. The first loan was to get him started, and the second loan came through three weeks later, which gave my client additional funds to bulk order beef at better pricing. My client was so happy that he has since referred me to two of his business partners.
Terry
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 by his suppliers not being able to deliver on time due to Covid-19. Bizcap was quick to review and fund my client – I can’t thank Bizcap enough
Josh
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.
Partner FAQs
Provided that a complete application is submitted, your clients can have the funds in their account in as little as three hours. If you have a client that desperately requires funding, please call us, and we will make your client our top priority.
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 New Zealand’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
We provide loans from $5,000 to $1,000,000, 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 the business.
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.
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.
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:
- Provide an application and up to date bank statements. We will assess your customer’s application from here.
- 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.
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.
Simply call us or fill out the Partner Form above, and we can run through the scenario with you. In most cases, we can provide a conditional offer subject to credit checks.
Bizcap offers both unsecured business loans and secured business loans. Our loan sizes vary from $5,000 to $1,000,000.
Bizcap may take personal guarantee(s) from directors of corporate borrowers, directors of corporate guarantors and certain individuals.
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.
^ Bizcap provides both Unsecured and Secured loans to Small Business Owners. When assessing a loan application Bizcap generally doesn’t take into consideration if a prospective customer has specific assets to provide as security. However:
(a) if the loan amount is above $30,000 (or any other figure which Bizcap determines from time to time), Bizcap will, under the loan agreement, take a charge. For a corporate borrower and any corporate guarantor, the charge is over all of that entity’s present and after-acquired property (that is, the security is not over specific assets but any and all assets which the entity may have). For a sole trader borrower and any individual guarantor, the charge is over its current and future real property; and
(b) in certain instances, for example, where the loan relative to the cash flow of the borrower is of a size that warrants the provision of security over specific assets, Bizcap may require specific security to be granted over those assets.
Bizcap may register its security interest(s) under relevant legislation, including the Personal Properties Securities Register and the register held under the Personal Property Securities Act 1999 or its equivalent.
In addition, Bizcap may take personal guarantees from directors of corporate borrowers, directors of corporate guarantors and certain individuals. No registrations are made in respect of guarantees.