What are Bizcap Small Business Loans?

Bizcap Small Business Loans are tailored funding solutions that provide quick access to capital for business expansion and operational needs, even if you don’t have a perfect credit score.

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Thinking of growing your business? Think Bizcap. Our Small Business Loans give you quick access to cash, even if you don’t have the perfect credit score, with same-day funding. We help SMEs across the UK, from those applying for business loans in London to other regions nationwide.

Small business loans in the UK are funding solutions offered to companies with fewer than 50 employees. We make it easy to compare business loans so you can find the option that fits your cash flow best. Our SME loans support working capital, asset purchases, or expansion plans, often with fixed interest rates and flexible repayment terms.

Loans of £5k to £500k

No upfront credit checks

Funds in as little as 48 hours

Cash flow-friendly repayments

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Where small business grows big

$3000M+

funded globally

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66K+

small business loans

Find out what Bizcap business loans can do for you

Small Business Loans Made Simple

We’re committed to saying “yes” more often. To qualify for a Bizcap Small Business Loan, you’ll need:

An active Company Number

At least 4 months of trading

A minimum monthly revenue of £12,000

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Compare Solutions

Application

Applying online takes less than 5 minutes and gives us everything we need to make an initial assessment.

Assessment

Our team of loan specialists will assess your application quickly, without running a credit check.

Funding

If approved, you can have the funds in your account within 48 hours, and a repayment plan that suits your needs.

United Kingdom's most open-minded SME lender

Get funds and move on

We make the application and approval process simple so you can get on with business.

Fast and friendly

Get your loan approved within 3 hours and funded within the day, plus a dedicated loan specialist to assist you throughout your journey.

High approval rates

Bad credit score? Existing loans? No issues. We look at your business on the whole to assess creditworthiness.

No credit checks

We can make you a conditional offer without running a credit check. That avoids denting your score.

Flexible repayments

We offer daily and weekly repayment plans to suit your cash flow.

Early payment discounts

While other lenders penalise you for paying off your loan fast, we incentivise it.

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Our solutions

retail business owner who benefits from a Unsecured Business Loans

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Helping you get on with business

Solar Panel Technicians Planning Maintenance after securing bizcap funding

£535k Small Business Loan secures vital lifeline for energy supplier

Here’s how Bizcap delivered £535,000 in funding to help a commercial energy supplier clear urgent tax arrears when other lenders said no.

Event management company business owner smiling with a clipboard

£928k Secured Business Loan clears tax arrears and saves event firm

Bizcap delivered a rapid £928,000 Term Loan to help an event management company clear urgent HMRC arrears and stop a winding-up petition.

Cooking up growth: How a £76k Business Line of Credit transformed a restaurant

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.

How an energy supplier powered through HMRC pressure with £950k in fast, flexible funding

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.

personalised gifts business owner smiling on the phone with client thanks to Bizcap fast funding

Approval to funding in 45 minutes: Fast funding for a personalised gifts business

Here’s how a personalised gifts business secured £5,000 in funding in just 45 minutes with a Bizcap Fast Business Loan.

How an adviser helped a concrete business secure a £116k 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.

Retailer and ecommerce business owner smiling after purchasing new property thanks to Bizcap loan

Fast funding secured £75k property deal for growing retailer

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.

Social worker working with an older woman with disabilities

Keeping care moving: Bizcap supports a growing disability and ageing service

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.

Local dentist happy after receiving a Bizcap Line of Credit

How a £90k Bizcap Line of Credit supported a dental clinic’s next stage of growth

With Bizcap's Line of Credit available up to £500,000, a dental clinic accessed £90,000 to expand capacity while protecting cash flow

How a healthcare brand used a £500k Bizcap Line of Credit to open five new UK clinics

Plus enabled expansion into the US, kickstarted local manufacturing and unlocked growth on their own terms.

How a Bizcap Line of Credit helped this toy business secure essential stock in record time

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.

Ready to apply?

Start gaining the benefits of a Bizcap small business loan today. For businesses facing cash flow gaps, short-term business loans provide fast relief.

Apply Now

Speak to a Loan Expert

Get in Touch

+44 808 304 8690

Monday to Friday: 8:30am to 5.30pm GMT

info@bizcap.co.uk

Support

What type of loans does Bizcap offer?

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

How much can I borrow with Bizcap small business loans?

Bizcap offers small and SME business loans of £5,000 to £1,000,000.

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.

How quickly can I get a small business loan from Bizcap?

At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Small Business Loans can be approved within 3 hours and funded that day. Our other solutions can be issued in as little as 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.

How quickly can I get funds into my account?

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.

How can Bizcap fund small business loans faster than other lenders?

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 small 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.

What can hold my business loan application up?

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 small 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 small business loan application process, but it is still essential for applicants to provide the requested documentation in a timely manner.

How does the process work?

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.

What are Bizcap’s rates and fees, and how are they determined?

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.

What criteria do I need to meet to apply for a Bizcap small business loan?

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 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 small 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.

What factors affect the loan application approval?

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.

What if I only need a business loan for a few weeks?

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 small 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.

What can I use the funds for?

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

What are the interest rates, and how are they determined?

The interest charged by Bizcap on smallbusiness 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.

Will applying for a loan with Bizcap negatively impact my credit score?

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.

Who can apply for a small business loan with Bizcap?

Anyone can apply for a Bizcap small business loan if they meet our minimum criteria. To apply, all your business needs is:
    – A valid UK Company Registration Number
    – At least 4 months of trading
    – Monthly turnover of £12,000 or more

Application

Assessment

Funding

United Kingdom's most open-minded SME lender

Get funds and move on

Fast and friendly

High approval rates

No credit checks

Flexible repayments

Early payment discounts

Fast Business Loans

Small Business Loans

Secured Business Loans

Bridging Finance

Line of Credit

£535k Small Business Loan secures vital lifeline for energy supplier

£928k Secured Business Loan clears tax arrears and saves event firm

Cooking up growth: How a £76k Business Line of Credit transformed a restaurant

How an energy supplier powered through HMRC pressure with £950k in fast, flexible funding

Approval to funding in 45 minutes: Fast funding for a personalised gifts business

How an adviser helped a concrete business secure a £116k Bizcap Fast Business Loan

Fast funding secured £75k property deal for growing retailer

Keeping care moving: Bizcap supports a growing disability and ageing service

How a £90k Bizcap Line of Credit supported a dental clinic’s next stage of growth

How a healthcare brand used a £500k Bizcap Line of Credit to open five new UK clinics

How a Bizcap Line of Credit helped this toy business secure essential stock in record time

What type of loans does Bizcap offer?

How much can I borrow with Bizcap small business loans?

How quickly can I get a small business loan from Bizcap?

How quickly can I get funds into my account?

How can Bizcap fund small business loans faster than other lenders?

What can hold my business loan application up?

How does the process work?

What are Bizcap’s rates and fees, and how are they determined?

What criteria do I need to meet to apply for a Bizcap small business loan?

What factors affect the loan application approval?

What if I only need a business loan for a few weeks?

What can I use the funds for?

What are the interest rates, and how are they determined?

Will applying for a loan with Bizcap negatively impact my credit score?

Who can apply for a small business loan with Bizcap?

Small business loans, approved in as little as three hours

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