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Bizcap helped an established restaurant unlock £76,000 in flexible funding to renovate, expand services and meet growing customer demand – without the constraints of a traditional loan.
Discover how Bizcap helped an energy supplier power through urgent HMRC deadlines to secure fast, flexible funding that protected cash flow and supported continued growth.
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Here’s how a personalised gifts business secured £5,000 in funding in just 45 minutes with a Bizcap Fast Business Loan.
A concrete services business used a £116,000 Fast Business Loan to fund renovation and expansion, keeping projects running and strengthening its market position.
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With £55,000 approved in 24 hours, a growing retailer finalised its property completion and maintained cash flow thanks to Bizcap’s fast, flexible support.
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Discover how a growing disability and ageing support service unlocked £400,000 in fast, flexible funding with Bizcap to retain staff and deliver quality care.
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With Bizcap's Line of Credit available up to £500,000, a dental clinic accessed £90,000 to expand capacity while protecting cash flow
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Plus enabled expansion into the US, kickstarted local manufacturing and unlocked growth on their own terms.
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With Bizcap’s Line of Credit and standout customer service, an e-commerce retailer secured seasonal stock on time, ensuring smooth operations and timely deliveries.
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From cash flow gaps to new contracts, Bizcap’s £120K Line of Credit powered a transport company’s growth.
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Discover the essential funding solution that fueled this transport company’s growth by allowing them to invest in a brand new fleet of vehicles.
Bizcap specialises in providing fast and flexible business loans to small and medium-sized businesses, even if you have bad credit. Our solutions include Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and Line of Credit. Our loan sizes vary from £5,000 to £1,000,000 and Lines of Credit are available up to £500,000. Compare our solutions here
Bizcap offers small and SME business loans of £5,000 to £1,000,000 and Lines of Credit up to £500,000. To find out more about each of our loans, compare our solutions.
The specific amount of your business loan is influenced by factors like your business's cash flow, operational duration, assets, and loan purpose. We assess these aspects to gauge your business's health and creditworthiness.
Our aim is to offer customised loans that address each business's unique financial needs, minimising risk for both parties. By thoroughly evaluating factors contributing to your business's financial health, we determine an appropriate loan amount and terms to support sustained growth and success.
At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast and Small Business Loans can be approved within 3 hours and funded that day. Our other solutions can be issued in as little 24 hours. If you need funds sooner, let our Loan Specialist (or Business Development Manager for partners) know and we can fast track your application.
Delays can occur when customers provide partial or inaccurate information or supporting documents. To ensure your loan is processed as quickly as possible, be sure to provide accurate and complete information.
Bizcap sets itself apart from other lenders in the speed at which we offer business loans. We can do this because we are a direct lender and self-funded, which cuts the red tape that’s typically involved in processing loans, and thanks to our streamlined application, approval and end-to-end processes.
Traditional banks can often take weeks to provide an outcome for a business loan application. Non-bank lenders, while generally faster than banks, can still take several days to process fast business loans. In contrast, Bizcap can grant you access to the capital you need in less than 24 hours. This exceptional speed makes Bizcap the fastest business lender in the UK, Australia, New Zealand, Singapore, the US, Canada and Europe.
The key factor that can hold up your business loan application is delays in providing us with the necessary documentation. You need to submit your business bank statements as part of your online application, but after we have made you a conditional offer we may require further documentation. The sooner you can get that to us, the sooner we can issue you with a business loan.
Bizcap prides itself on being a low doc lender, meaning we require fewer documents for business loans than other lenders, including both banks and non-bank lenders. This streamlined approach enables us to expedite the business loan application process, but it is still essential for applicants to provide the requested documentation in a timely manner.
We leverage our proprietary technology system and extensive underwriting experience to provide outside the box solutions. This lets us lend to customers who come from all walks of life and a multitude of industries.
After you complete your application (a simple form that includes your details and business bank statements), we assess your file without running a credit check and make you a conditional offer.
Once you’re happy with the loan terms and wish to proceed, we might gather some extra information, including a credit report, to make you an unconditional offer. Funds are often issued that day.
We consider each applicant’s cash flow, payment history and financial strength to determine a risk-adjusted repayment plan that’s tailored to that applicant.
Payments are determined by factors such as the amount and consistency of the business’s cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds. We also charge an establishment fee on the loan, which is agreed upon upfront.
Unlike other lenders, we won’t penalise you for settling your loan early, if that’s what you choose to do. Instead, we’ll reward you for paying it off early, by giving you a discount.
At Bizcap, we have established minimum eligibility criteria to ensure that our business loans are accessible to a broad range of businesses. Each loan has different eligibility criteria.
For Bizcap Fast and Small Business Loans, you will need:
1. An active Company Registration Number (CRN). This demonstrates that your business is operating legally in the United Kingdom.
2. At least 4 months of trading. This helps us assess your business’s stability and potential for growth.
3. A monthly revenue of at least £12,000. This criterion helps us determine how much we can lend you, as well as your ability to manage and repay the loan.
By meeting these criteria, you can confidently apply for a fast business loan with Bizcap, knowing that our financial solutions are designed to support businesses like yours.
To find out the eligibility criteria for Bizcap Secured Business Loans, Bridging Finance and Line of Credit, please refer to the Eligibility section of our Compare Solutions table.
Factors that affect whether or not your loan is approved include how long the business has been trading, its revenue history, assets and credit history. We also look at the business owner and various other factors to help us build a comprehensive profile of the applicant. It is thanks to this approach of truly getting to know the customer that Bizcap can help in ways that other lenders won’t.
If you only need a loan for a few weeks, Bizcap can help by providing a loan that’s tailored to your needs and circumstances. Our business loans are a flexible solution to bridge cash flow gaps, make quick purchases, or address other short-term financial requirements.
We understand that businesses sometimes need short-term financial support, which is why we offer business loans with varying terms. If you know that you will only need a loan for a brief period, just let us know, and we can structure your loan accordingly. Businesses who qualify for our Bridging Loans can receive up to 65% off our standard rates.
What’s more, we appreciate responsible borrowing and timely repayment, so we offer discounts for settling loans early. By taking advantage of this incentive, you can save on interest while still addressing your short-term financing needs.
You can use the funds for any business purpose. Our customers generally use the funds for:
- expansions, renovations and unexpected repairs
- purchasing stock, inventory and equipment
- marketing
- hiring employees
- expenses and investments
- cash flow and growth
The interest charged by Bizcap on business loans is determined by a factor rate, which is a fixed fee that is applied over the term of the business loan. The factor rate Bizcap applies to your loan takes into account your business’s creditworthiness, the duration of the loan and the intended use of the funds, and therefore varies from one loan to the next.
As you build a relationship with Bizcap, demonstrating your ability to reliably and punctually pay off your loan, the factor rate will likely decrease.
Small business owners avoid shopping around for the best loan offer out of an understandable concern that doing so would result in multiple credit checks. Each credit check, or "hard inquiry," can slightly lower your score. What’s more, some lenders view multiple credit inquiries within a short period as a sign of financial instability.
One great thing about Bizcap is that we can make an initial offer without running a credit check, which makes applying for a loan completely risk-free.
Only once you decide to proceed with the loan do we run a hard inquiry to make the offer unconditional. If you’d like to find out how much your business would be eligible for, apply now for an obligation-free offer.
To apply, your business needs:
– A valid UK Company Registration Number
– At least 4 months of trading
– Monthly turnover of £12,000 or more
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