FAQs

Bizcap offers business funding from $10,000 to $2,000,000. To learn more about each option, contact us for a no-obligation conversation about your needs.

Your funding amount is based on factors such as your business’s revenue performance and time in business. We review these to understand your overall business health and provide the most suitable funding model.

Our goal is to deliver tailored funding that aligns with each business’s unique operational needs, helping support sustainable growth.

Bizcap provides fast and flexible SME business funding. Applications can be approved within 3 hours with same day funding available. Delays can occur if information or supporting documents are incomplete. Providing accurate and complete documentation helps ensure funding moves quickly.

Bizcap stands out for speed when delivering working capital. Because we are a direct funder and self-funded, we avoid the administrative barriers often seen with traditional providers. Our streamlined application, assessment and end-to-end processes allow us to move quickly.

Traditional banks may take weeks to provide an outcome for business funding. Other funders may still take several days to complete their processes. Bizcap can provide access to capital as early as the next day after approval, making us one of the fastest business funding partners across Europe, Singapore, the U.K., Australia and New Zealand.

We use proprietary technology and extensive funding experience to provide solutions for businesses across many industries.

After you complete your application, including your details and business bank statements, we assess your file and issue a conditional offer.

Once you confirm that the funding details suit your needs, we may collect a small amount of extra information to issue an unconditional offer. Funds are often released the same day.

Approval is influenced by time in business, revenue history, industry, the business owner’s profile and other relevant factors. This approach helps us understand your business deeply and support you in ways many funders cannot.

Delays usually occur when required documentation is missing. You will need to submit your business bank statements as part of your application. After a conditional offer, additional documents may be required. The sooner these are provided, the sooner we can issue a suitable business funding solution.

Bizcap is a low doc solution, meaning we require fewer documents compared to banks and other funders. This helps accelerate the process, although timely submission of requested documents remains essential.

If you only need funds for a few weeks, Bizcap can help by providing a financing solutions that’s tailored to your needs and circumstances. Our revenue based financing  is an ideal 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 financing with varying terms. If you know that you will only need a funds for a brief period, just let us know, and we can structure your solution accordingly. Businesses who qualify for our Bridging Financing can receive up to 65% off our standard rates.

What’s more, we value responsible use of financing, so we offer discounts for settling your balance early. By taking advantage of this incentive, you can reduce your total cost of financing while still meeting your short-term business needs.

You can use the funds for any business purpose. Our customers generally use the funds for:
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1. Expansions, renovations and unexpected repairs
2. Purchasing stock, inventory and equipment
3. Marketing
4. Hiring employees
5. Expenses and investments
6. Cash flow and growth

The cost of funding with Bizcap is based on a factor rate, which is a fixed fee applied to your funding model. The factor rate is influenced by your business performance, time in business and intended use of funds.

As your relationship with Bizcap strengthens and your business demonstrates consistent performance, your factor rate may improve over time.

The cost of funding with Bizcap is based on a factor rate, which is a fixed fee applied to your funding model. The factor rate we assign considers several elements, including your business performance, time in business and the intended use of the capital. As a result, factor rates can vary from one funding model to another.

As you build a relationship with Bizcap and demonstrate consistent performance, your factor rate may improve over time.

Our funding models use daily or weekly direct debits that adjust in line with your revenue activity. These debits are made from the business bank account, excluding weekends and holidays, until the purchased amount has been fully delivered. The debit period typically ranges from 3 to 12 months, depending on the structure of the agreement.

Yes, you can complete your Bizcap funding early. If you choose to deliver the purchased amount sooner, we will not charge any fees for doing so. In fact, we can offer discounts to businesses that complete their agreement ahead of schedule.

Bizcap’s funding models are designed to be fast and flexible to support the unique operational needs of each business. If you know you only need capital for a short period, let your Funding Specialist know and they will tailor the model to suit your timeline.

In many cases, Bizcap can assist even if you currently have business financing elsewhere. Businesses who didn’t receive as much money from one lender as they had hoped for are welcome to apply for further funding from Bizcap. We will assess your business’s financial situation and capacity to manage multiple financing sources before extending an offer. By offering a range of business financing solutions, Bizcap can provide the financial support your business needs.

If you already have funding from Bizcap in place and need additional capital, we can often assist. It is common for businesses to require extra support as they grow or manage unexpected costs.

If you would like to access more capital, reach out to your Funding Specialist to discuss your options. We will review your business’s revenue performance and overall stability to determine whether additional funding can be offered.

Like most financial instruments, Bizcap's Revenue Based Financing solutions does include personal guarantees from directors of corporate entities, directors of corporate guarantors and certain individuals, depending on the structure of the funding model.

Bizcap may register a PPSA filing to secure its position, similar to other financial instruments. Depending on the structure of the funding model and the business’s circumstances, additional forms of security may be included as part of the agreement.