Features of a Bizcap Small Business Loan
Same day access to funds to cover one-off expenses or invest in your business
Borrow between $5,000 to $1,000,000
Open minded offers irrespective of exsisting loans, bad credit, defaults or judgements
Loan terms between 3 and 12 months
Flexible repayments and early payout available
Fast decision and funding possible in 3 hours
Minimum 5 months trading to apply
Your business needs to be turning over at least $10,000 per month
Trusted by New Zealand Small Businesses
Getting A Small Business Loan With Bizcap Is Simple
We make it easy so you can focus on your business
01.
Online Application
Apply online and get assigned a Loan Specialist to help you through the application process. This take under 10 minutes.
02.
Efficient Assessment
Once we recieve your file, our credit team review your application and provide you with an outcome within just 1 hour
03.
Receive Funds
Once approved and you accept, you can have the funds in your account within 3 hours of approval.
What Can I Use A Small Business Loan For?
At Bizcap, we help NZ small business owners get access to the capital they need to grow fast!

Expand your business
Shop fit-outs and refurbishments
Cover tax / BAS lump payments
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
Move fast, 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 Australia’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 our clients are saying 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 Australia!
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 ABN, be in business for at least 6 months and have at least $10,000 in monthly turnover.
Additional FAQ
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?
How are small business loans repaid?
How much can I borrow from Bizcap?
I already have a loan with another lender, can Bizcap help me?
I have a loan with you, but I need more access to funds, can you help?
What are the interest rates, and how are they determined?
Will you check my personal finances?
How are repayments structured?
What if I’m a startup business?
What type of business loans does Bizcap offer?
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