Non-bank SME lender
TruCap
TruCap is a non-bank lender offering term loans to Australian small and medium businesses. Check whether TruCap fits your client's scenario before you call.
Products
Term loan
Lender overview
TruCap unsecured business loans
About TruCap
TruCap is a business lender based in Bella Vista, NSW, providing short-term unsecured business loans in Australia and New Zealand. It says it has been in business for more than a decade.
How TruCap lends
TruCap's loans don't require collateral. Instead of an interest rate, it charges a fixed fee agreed upfront, based on the business type, time in business, loan size and bank statements. It offers low-documentation lending for any business purpose.
TruCap products
Unsecured business loans: short-term funding for equipment, stock, expansion or cash flow.
Working with TruCap as a broker
TruCap partners with brokers and other referrers. Partners can stay involved throughout the deal or let TruCap's Sydney team run it from start to finish, with full transparency on deal details. TruCap says it pays the same commission on new and repeat loans, calculated on the total principal.
What your client will usually need
Registered ABN
Business bank statements
ID
Is TruCap 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 TruCap fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
TruCap FAQs
Does TruCap charge interest?
TruCap says it charges a fixed fee agreed upfront rather than an interest rate.
Does TruCap need collateral?
No. Its business loans are unsecured.
Does TruCap work with brokers?
Yes. Brokers can stay involved or hand the deal to TruCap's team.
Does TruCap lend in New Zealand?
Yes. It lends in Australia and New Zealand.
Similar lenders on Visro
Funds Now, SimplyFunded, Capify
Sources
Information on this page is general, is based on TruCap's public materials and industry news, and was last reviewed in November 2026. It may change. Always confirm current products and terms with TruCap.
The answers, already written down
What you’ll see about this lender.
Match strength
Strong, moderate or potential, so you know where to start.
Indicative funding
How much each lender is likely to consider for this deal.
Indicative rates
A realistic idea of pricing before you pick up the phone.
Commission
What each lender pays, so you know what the deal is worth to you.
Funding time
How quickly each lender typically funds, for clients who need it now.
The why behind every no
The exact policy rule that rules a lender out, so you move on fast.
Got a deal on your desk?
Run it through Visro and see which lenders on the panel fit, before you make a single call.
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.