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Bizcap offers small and SME business lending of £5,000 to £1,000,000 and Lines of Credit up to £500,000. To find out more about each of our lending options, compare our solutions.

The specific amount of your business lending is influenced by factors like your business's cash flow, operational duration, assets, and lending purpose. We assess these aspects to gauge your business's health and creditworthiness.

Our aim is to offer customised lending 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 lending amount and terms to support sustained growth and success.

At Bizcap, we pride ourselves on providing fast and flexible business lending. 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 Lending 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 lending 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 lending. We can do this because we are a direct lender and self-funded, which cuts the red tape that’s typically involved in processing lending, and thanks to our streamlined application, approval and end-to-end processes.

Traditional banks can often take weeks to provide an outcome for business lending applications. Non-bank lenders, while generally faster than banks, can still take several days to process fast business lending. 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 lending 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 lending.

Bizcap prides itself on being a low doc lender, meaning we require fewer documents for business lending than other lenders, including both banks and non-bank lenders. This streamlined approach enables us to expedite the business lending 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 lending 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 lending, which is agreed upon upfront.

Unlike other lenders, we won’t penalise you for settling your lending 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 lending options are accessible to a broad range of businesses. Each lending option 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 lending.

By meeting these criteria, you can confidently apply for fast business lending 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 lending 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 lending for a few weeks, Bizcap can help by providing lending that’s tailored to your needs and circumstances. Our business lending options 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 lending with varying terms. If you know that you will only need lending for a brief period, just let us know, and we can structure your lending 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 lending 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 lending is determined by a factor rate, which is a fixed fee that is applied over the term of the business lending. The factor rate Bizcap applies to your lending takes into account your business’s creditworthiness, the duration of the lending and the intended use of the funds, and therefore varies from one lending application to the next.

As you build a relationship with Bizcap, demonstrating your ability to reliably and punctually pay off your lending, the factor rate will likely decrease.