With small business loans to hire new staff…

What could you do?

Features of a Bizcap Small 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.

What Can I Use a Small Business Loan For?

  • General Cashflow
  • Expand your business
  • Shop fit-outs and refurbishments
  • Cover tax
  • Invest in technology or software
  • Buy a new business vehicle
  • Expansions, renovations and unexpected repairs
  • Purchase sock, machinery and equipment
  • Marketing
  • Hire employess and pay wages
  • Pay expenses
  • Any other business related use

Fast and Flexible Loans to Grow Your Business

Rocket Launch
Move fast and confidently

Fill out a application form, upload your statements and get a decision within an hour & funds within 3 hours.

High approval rates

We’re New Zealand’s most open-minded lender and can often help even if you’ve been declined by others before

Cash flow friendly repayments

Once you have your loan with Bizcap, we organise daily or weekly repayments based on your businesses peaks and troughs

What do our customers say about our small business loans?

FAQs About Bizcap’s Small Business Loans

How quickly can I get a business loan from Bizcap?

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.

How soon can I get funds in my 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.

How can Bizcap fund quicker than other lenders?

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!

What can hold my business loan application up?

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)

What criteria do I need to tick off to apply with Bizcap?

We have some eligibility criteria that you’ll need to tick off, you must have an active NZBN, be in business for at least 6 months and have at least $12,000 in monthly turnover.

What if I only need a business loan for a few weeks?

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!

Can I repay my business loan early?

You sure can! We don’t penalize 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 small business loans repaid?

You can repay your small 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 business loans does Bizcap offer?

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.