With small business loans to invest in technology…

What could you do?

Features of a Bizcap Short Term Business Loan

Same day access to funds to cover one-off expenses or invest in your business

  • Borrow between $5K to $2M
  • Open minded offers (irrespective of existing loans, bad credit, defaults or judgements)
  • Funding in as little as 3 hours
  • Loan terms between 3 and 12 months
  • Flexible repayments and early payout available

Our Simple Application Process


Our online application process takes less than 5 minutes to complete and gives us all the information we need to make an offer.


Our team assess your application quickly, taking into consideration cash flow and general cash management.


If approved, you can have the funds in your account within 3 hours – even if you have existing loan facilities.

We Look at More Than Your Credit Score

Active ABN
Active NZBN

You need an active NZBN (New Zealand Business Number).

5 months in business
5 months in business

Your business must be trading for at least 5 months.

Monthly turnover
Monthly turnover

Your business needs to be turning over at least $12,000 per month.

Customer Examples

Industry Manufacturing
Loan Size $215,500
Loan Use Inventory
Credit Score 601
Turn Around Time 4 hours
Region Auckland
Industry Retail
Loan Size $35,000
Loan Use Cashflow
Credit Score 420
Turn Around Time 6 hours
Region Waikato
Industry Transport
Loan Size $9,500
Loan Use Inventory
Credit Score 671
Turn Around Time 3 hours
Region Wellington

FAQs About Bizcap Short Term Business Loans

What can Bizcap business loans be used for?

Anything you want, as long as it’s to do with your business! Some of the things our customers use our loans for are:

  • Expansions, renovations and
  • unexpected repairs
  • Purchase stock and equipment
  • Marketing
  • Hire more employees
  • Pay expenses
  • Cash flow
How to apply for a business Loan

Just hit the ‘Apply’ button in the top right corner, and enter a few details (it’ll take five minutes). From there, we’ll match you with one of our Secured Loan Specialists who’ll get the information and documentation we need, and find the best solution for you. Alternatively, of course, you can call us on 0800 249 227.

After we’ve got the info we need, our credit team will give your application the once-over and we’ll make you an offer. If the offer sounds good to you, you can sign the contract and we will transfer the funds quicker (well, almost quicker) than you can say Bizcap.

How do you qualify for an business loan?

If you’ve been in business for five months or more, have an active NZBN and over $12,000 of monthly revenue, we hope to be able to help. As New Zealand’s most open-minded lender, we look at several aspects of your business to provide you with funding.

How long does it take to approve an business loan?

Three hours. Once we have your application, bank statements and any other supporting information we need, we will assess your file within a couple of hours, and all being well, we’ll make you an offer. Once you’ve agreed to the offer, the funds will be winging their way into your account. If you need funds in a hurry, just let your Short Term Loan Specialist know and they’ll fast track your application.

Can I repay my business 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.

How are short term business loans repaid?

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

How much can I borrow from Bizcap?

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

I already have a loan with another lender, can Bizcap help me?

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

I have a loan with you, but I need more access to funds, can you help?

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!

What are the interest rates, and how are they determined?

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.

Will you check my personal finances?

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).

How are repayments structured?

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

What if I’m a startup business?

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.

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 $1,000,000 dependent on the loan type and the customer profile