What Bizcap does

Bizcap is a privately held, non-bank lender founded in 2019 and headquartered in South Yarra, Melbourne, that provides fast, flexible business loans and lines of credit to small and medium-sized enterprises. Its product set spans Fast Business Loans ($5K–$500K), Small Business Loans ($5K–$7.5M), Secured Business Loans, Bridging Finance, and Lines of Credit (up to $750K AU / €500K EU / C$2M Canada), with a "Prime Loan" sub-product offering lower rates and longer terms for stronger-fundamentals borrowers. The company operates a proprietary lending technology system that enables same-day application-to-funding workflows without upfront credit checks, using a holistic risk assessment methodology rather than traditional credit scoring, and generates revenue through risk-adjusted factor rates and establishment fees. Its GTM blends a self-service direct channel (website, phone, chat) with a broker and finance-adviser partner program supported by a real-time partner portal, targeting SMEs that have been declined or underserved by traditional banks. Following the October 2025 acquisition of AI-driven e-commerce funding platform 8fig (alongside US affiliate NewCo Capital Group), Bizcap has expanded into the US, Canada, UK, Luxembourg, Germany, and is exploring Poland, while accumulating 100,000+ SME loans and $5B+ in cumulative funded volume across its markets.

Name

Bizcap

Legal name

Bizcap AU Pty Ltd and Bizcap NZ Limited

Website

https://bizcap.com.au

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Bizcap is a privately held Australian non-bank lender founded in 2019 that provides fast business loans and lines of credit ($5K to $7.5M) to SMEs underserved by traditional banks, operating across Australia, New Zealand, the UK, Europe, Canada, and the US via a proprietary underwriting platform and broker channel.

Ownership category

akta.pro rank

Headquarters

HQ city

South Yarra

HQ country

Australia

HQ region

Oceania

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Business Loans: Bizcap provides fast, flexible business loans ranging from $5,000 to $7.5 million, generating revenue through factor rates (fixed fees applied over the loan term) and establishment fees. Interest rates are risk-adjusted based on business creditworthiness, loan duration, and intended use of funds. The company offers early payment discounts, incentivizing faster repayment.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Bizcap is a non-bank direct lender providing fast, flexible business loans and lines of credit ranging from $5,000 to $7.5 million to small and medium-sized enterprises. The company uses its own capital and proprietary lending technology to deliver same-day approvals and funding without upfront credit checks, accepting SMEs with imperfect credit or existing loans. Its product suite spans fast business loans, small business loans, secured loans, bridging finance, lines of credit, and (via acquired 8fig) AI-powered e-commerce seller funding.

Differentiator

Problem solved

Functional benefit

Brands

• Prime Loan: A new product designed for growing businesses with strong fundamentals, offering lower rates, longer terms (9-12 months) and higher lending limits
• AI CFO

Products and services

• Fast Business Loans Fast Business Loans from $5,000 to $500,000 for SMEs needing short-term working capital, with approvals in as little as 3 hours, same-day funding, no upfront credit check, and cash-flow-friendly repayments. Targeted at Australian SMEs with an active ABN/ACN, at least four months of trading, and minimum monthly revenue of $12,000.
• Small Business Loans Small Business Loans from $5,000 to $7.5 million for SME growth, with approval within 24 hours and availability even for businesses without perfect credit. Interest is charged via a factor rate (fixed fee over the loan term) determined by creditworthiness, duration, and intended use of funds.
• Secured Business Loans Secured Business Loans from $5,000 to $7.5 million using property equity as collateral, offering larger loan amounts with flexible repayment terms and competitive rates for SMEs.
• Bridging Finance Bridging Finance from $150,000 to $7.5 million providing short-term funding to plug cash flow gaps at heavily reduced rates, with discounts of up to 65% off standard rates. Used for complex refinance situations and time-sensitive property transactions.
• Line of Credit (Australia) Revolving Line of Credit from $15,000 to $750,000 for Australian SMEs, offering on-demand drawdowns with businesses paying interest only on funds actually drawn and no need to reapply for each drawdown.
• European Line of Credit Flexible Line of Credit up to €500,000 for European SMEs, with 2-3 day setup and ongoing access to funds, flexible drawdowns and repayments aligned to business cash flow. Companies only pay interest on funds actually drawn.
• Bizcap Canada Line of Capital Line of Capital for Canadian SMEs offering up to $2 million with same-day approvals, on-demand access to capital with flexible payment terms, and drawdowns without reapplying for each drawdown.
• Prime Loan Prime Loan product for growing businesses with strong fundamentals, offering lower rates, longer terms (9-12 months), and higher lending limits than standard Bizcap SME loans. Targeted at mid-market SMEs needing larger facilities (e.g., $550,000 facility for an NDIS health consultancy).
• 8fig E-commerce Seller Funding Revenue-based and lump-sum financing from $10,000 to $2 million for online sellers on Amazon, Shopify, and Temu, including the AI CFO cash flow planning and analysis tool. Delivered by acquired subsidiary 8fig operating within Bizcap's ecosystem.

Quantifiable outcome

• 100,000+ loans approved for SMEs globally
• +3 more outcomes

Named customers16 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• 8figcoreStrategic or Co-development Partner · 21 October 2025Acquired AI-driven funding platform for e-commerce sellers that has provided over $500 million in funding since 2020. 8fig developed an AI CFO tool for cash flow planning and will operate independently within Bizcap's ecosystem while gaining access to capital, reach, and operational expertise for global market growth.
• Valiant FinanceminorChannel Partner/ Reseller/ DistributorBroker partner that referred R&C Building Maintenance client to Bizcap for funding. Represents one of many broker partnerships in Bizcap's distribution network.
• Broker PartnerscoreChannel Partner/ Reseller/ DistributorFinance brokers and advisers who refer SME clients to Bizcap. The company offers a dedicated partner portal with real-time reporting on client facilities, drawdowns, repayments, and reengagement opportunities. Brokers retain clients by offering Bizcap's flexible SME funding solutions.

Scale indicators10 records

Recent moves9 records

Expansion highlights7 records

Broad incumbents

• BlueVine: US-based digital business banking and lending platform offering lines of credit, term loans, and invoice factoring to SMBs. Overlapping product suite with Bizcap but broader portfolio and larger scale, operating primarily in North America.
• Judo Bank: Australian challenger bank serving SMEs with business lending and transaction banking. Larger and broader incumbent offering secured SME lending in Australia where Bizcap also competes, but with a deposit-funded banking model.

Direct peers

• Funding Circle: UK-listed platform lending to small businesses across the UK, US, Germany, and the Netherlands. Operates the same horizontal SME credit proposition in many of the same geographies Bizcap is expanding into (UK, Germany).
• iwoca: UK and European online lender providing flexible credit lines and term loans to small businesses. Highly comparable operating model (fast online approvals, lines of credit up to mid-six figures, broker channel), and a direct competitor in Bizcap's new EU markets.
• Prospa: Australia's leading online SME lender, providing small business loans and lines of credit. Direct competitor in the AU/NZ SME alternative-finance market with overlapping products (term loans, line of credit) and customer base of underbanked small businesses.
• YouLend: UK-headquartered embedded finance platform providing revenue-based financing and capital to SMEs via partners and brokers. Comparable broker-led distribution, multi-jurisdiction European presence, and similar target SMB segment.
• OnDeck: US-headquartered online small business lender operating in Australia, the US, and Canada. Closely comparable online underwriting model, term-loan product, and SME target segment — direct competitor in AU/Canada where Bizcap also operates.
• Moula: Australian online lender focused on working capital and growth funding for SMEs. Closely comparable to Bizcap on target customer (underbanked SMBs), product structure (revenue-based financing), and AU geographic focus.
• Clearco: Canadian-founded revenue-based financing platform for e-commerce and SaaS companies. Direct competitor to 8fig's e-commerce funding business, with overlap in seller-customer base and growth-stage funding products.
• Wayflyer: Ireland-based revenue-based financing provider for e-commerce and DTC brands. Directly comparable to 8fig (Bizcap's newly acquired subsidiary) in funding e-commerce sellers on Amazon, Shopify, and other platforms.

Market position

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AuBizcap
• Facebookfacebook.com/bizcapau
• LinkedInlinkedin.com/company/bizcap
• Instagraminstagram.com/bizcap_

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bizcap