Seven and a half million reasons to skip the bank.
Prospa, Lumi, OnDeck — they move fast until you ask for more than a million. Then you're "outside their box." Bizcap funds up to $7.5M on real-time data. Decisions in hours. Money in 24.
The deal's happening. The only question is who funds it.
Three years of financials and an excuse to say no.
4–8 weeks to a decision
Historical financials only
Non-banks cap at $250K–$2M
Credit check just to get a quote
Real-time data. Human decisions. Done by tomorrow.
Indicative offer in 3 hours
Real-time business assessment
$250K all the way to $7.5M
No credit check until you accept
Every competitor stops here.
We're just getting started.
Three steps. One business day.
Finally, a non-bank lender that matches
the size of your ambition.
approved customer stories before launch.
Everything you need to know
before you apply.
How much can I actually borrow?
$250K to $7.5M. The amount depends on your business revenue, trading history, and what the funds are for. Most clients who meet our minimum revenue threshold ($80K+/month) qualify for at least $250K. Larger deals up to $7.5M are assessed on a case-by-case basis using real-time business data.
How fast can I get funded?
Most deals settle within 24 hours of accepting your offer. You'll receive an indicative offer within 3 hours of submitting your application -- no credit check required at that stage. The clock starts when we have everything we need, so having your documents ready helps.
Will applying affect my credit score?
No. We provide an indicative offer based on your business data without running a credit check. A formal credit enquiry only happens after you've reviewed and accepted the offer. You're in control the entire time.
What documents do I need?
For most applications we need 6 months of business bank statements (read-only digital access is fastest), a valid ID, and your ABN. For larger deals over $2M we may request additional financials, but we'll tell you exactly what's needed upfront -- no surprises.
How is Bizcap different from my bank?
Speed, flexibility, and how we assess your business. Banks rely on historical financials and rigid credit models -- that's why they take 4 to 8 weeks. We assess real-time trading data, cash flow patterns, and business momentum. That means faster decisions, higher approval rates, and funding up to $7.5M without the paperwork marathon.
Your deal done
by tomorrow.
Check your eligibility in 60 seconds. No credit impact. No commitment.
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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