Win the deals your other lenders can't.
$250K to $7.5M. Conditional offer in 3 hours. No credit check until your client accepts. Industry-leading commissions.
No credit check yet
"Your client called yesterday with a $2M problem. Where did you send them?"
If the answer was "the bank, and we're still waiting" — or worse, "I had to pass on the deal" — you've found the fix.
Banks are taking six weeks for decisions that used to take a fortnight. Most non-bank lenders tap out at $1M. Brokers who win in this market are the ones who can say "I've got a lender for that" before their competitor does.
That lender is Bizcap. The Adviser's 2026 Non-Bank Lender of Choice for deals over $250K — voted by brokers, for brokers.
We go where the others stop
Every one of these is a "yes" with Bizcap.
Stock, inventory & equipment
ATO debt & urgent cash flow
Expansion: sites, hiring, fit-out
Two tracks. Both win.
Refer and we close
You run the deal
Submit
Partner Portal, email, or API. Takes 3 minutes. No credit check on your client yet.
Assess
Conditional offer in as little as 3 hours. No hard credit enquiry until the client accepts.
Settle & get paid
Funded in as little as 24 hours. Commission paid weekly. No clawbacks — ever.
The lender you actually want on your panel.
We assess in real time
Cash flow trends, end-of-day balances, trading momentum. Not last year's tax return. That's why we say yes to deals your other lenders can't make sense of.
Direct line to decision-makers
Cash flow trends, end-of-day balances, trading momentum. Not last year's tax return. That's why we say yes to deals your other lenders can't make sense of.
Commissions that respect your work
Industry-leading rates. Weekly payouts. No clawbacks. The full commission schedule is in the Broker Cheat Sheet — you'll get it on accreditation.
The award the industry voted for
The Adviser's 2026 Non-Bank Lender of Choice for deals over $250K. Not self-awarded. Not a paid category. Voted by Australian brokers — for Australian brokers.
The lender that changed their year.
"Bizcap got me across the line on a $1.4M deal in three days. The big four had told my client they were looking at six weeks. That's the deal that changed my year."
"I was nervous about adding another lender. The BDM scenario'd two deals with me before I submitted anything. By the time I sent a real file, I already trusted them."
"No clawbacks is the headline. Weekly payments is the surprise. I get paid faster by Bizcap than by half my residential lenders."
Five minutes. One call.
No commitment.
Broker Cheat Sheet
Eligibility, products, scenarios — everything you need to close your first deal confidently.
Dedicated Partnerships Manager
Your first 90 days include a dedicated PM plus an appointed BDM and Broker Support Executive.
Free Bizcap 101 sessions
Bizcap 101 and Line of Credit 101 — free, live, and actually useful for diversifying brokers.
Marketing templates
Promote large-deal capability to your own client base. We do the creative, you send it.
Get accredited
No credit check. No commitment. Takes 5 minutes.
Questions brokers actually ask.
I've never sent a deal to Bizcap. What's the catch?
None. We'd rather you scenario your first deal with us before you commit a client. A 15-minute call with a BDM costs you nothing and tells you instantly whether we're a fit for your book.
How is this different from Prospa, Lumi, or OnDeck?
Deal size and approach. Most online lenders cap at $1M -- we go to $7.5M. Most assess on credit score -- we assess on real-time cash flow and business momentum. That means more "yes" outcomes, including on deals your other lenders decline.
How fast can I actually get a conditional offer?
3 hours for fast and small business loans. 24 hours for larger secured deals. The largest deals -- $5M+ -- typically settle inside a business week. Your BDM will give you an honest read on timing for each scenario. Always tell them if there's urgency -- they can take it to the top of the queue.
What if my client has ATO debt, existing facilities, or a poor credit score?
That's a normal Bizcap deal, not an exception. ATO debt is a regular part of how Australian businesses trade. Existing facilities aren't a dealbreaker. We assess the full commercial picture -- not just what looks clean on paper.
What support do I get as a new broker?
A dedicated Partnerships Manager for the first 90 days, an appointed BDM, and a Broker Support Executive. Free Bizcap 101 and Line of Credit 101 sessions. The Broker Cheat Sheet on day one. Marketing templates to promote large-deal capability to your own clients.
What does "no clawbacks" actually mean?
It means exactly that. Commission paid on settlement -- and we don't take it back if the loan repays early. Weekly payments. The full schedule is in the Broker Cheat Sheet you'll receive on accreditation.
Brokers don't need another lender on their panel.
They need the right one.
Get accredited today. A BDM will call you within the next 30 minutes.
We are registered with the Financial Conduct Authority reference number: 994366 and ICO registration number: ZB638371. We are registered with the Financial Conduct Authority for anti-money laundering purposes only.
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