Non-bank SME lender
Bizcap
Bizcap is a non-bank lender offering term loans and lines of credit to Australian small and medium businesses. Check whether Bizcap fits your client's scenario before you call.
Products
Term loan
Line of credit
Lender overview
Bizcap business loans and lines of credit
About Bizcap
Bizcap is a direct lender to small and medium businesses. It started in Australia in 2019 and has since expanded to New Zealand, the United Kingdom, Singapore and Europe. Its co-founder and joint managing director is Abraham White, and it describes itself as "Australia's most open-minded lender".
How Bizcap lends
Bizcap says it looks at the business as a whole, so existing loans, past credit issues, judgements or defaults aren't automatic barriers. It can make a conditional offer without running a credit check upfront, and applications are made online, with bank statements used to support the assessment. In 2024 Bizcap said it lends without institutional funding or debt facilities.
Bizcap products
Fast Business Loans and Small Business Loans: term loans for cash flow and growth.
Secured Business Loans: larger loans with security.
Bridging Finance: short-term funding to bridge a gap.
Business line of credit: an approved limit the business can draw on and repay as needed, paying only for what it uses. It can suit uneven cash flow, seasonal stock or short-term gaps.
Working with Bizcap as a broker
Bizcap works with brokers, advisers and referral partners through its Partner Up program. Brokers get accredited directly, and Bizcap works with many of Australia's major aggregator groups. Accredited partners use the Bizcap Partner Portal and get dedicated support, and Bizcap says it pays commission on every successful deal. It also runs short broker training, such as its Line of Credit 101.
What your client will usually need
Active ABN or ACN
Business bank statements
Online application details
Is Bizcap the right fit for your client?
Loan amounts, terms, minimum trading history and turnover change over time, and every lender sets its own policy on credit, industry and security. Enter your client's scenario in Visro to see whether Bizcap fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Bizcap FAQs
Is Bizcap a bank?
No. Bizcap is a non-bank direct lender to SMEs.
Does Bizcap work with brokers?
Yes, through its Partner Up program and Partner Portal.
Does Bizcap pay broker commission?
Bizcap says it pays commission on every successful deal. It doesn't publish rates.
Does Bizcap lend to businesses with existing loans or bad credit?
Bizcap says existing loans and past credit issues aren't automatic barriers. It assesses the business as a whole.
Does Bizcap offer a line of credit?
Yes, alongside fast, small, secured and bridging loans.
Where does Bizcap lend?
Bizcap lends in Australia, New Zealand, the UK, Singapore and Europe.
Similar lenders on Visro
Prospa, Lendmigo, Velociti Capital
Sources
Information on this page is general, is based on Bizcap's public materials and industry news, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Bizcap.
The answers, already written down
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Lender names, logos and trade marks belong to their respective owners and are used only to identify the lender. Inclusion on Visro does not mean a lender endorses Visro or has a commercial relationship with us. Product information is general, may change, and is not an offer or recommendation of credit. Always confirm details with the lender. Visro does not provide credit assistance or financial advice.