Where small business grows big
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Does your business need funds to plug cash flow gaps or grow?
That is what happened to Jake S., the owner of a plumbing business. When he turned to Bizcap, we took the time to understand the realities of his operation. We assessed his business performance with a practical lens and provided the capital he needed to cover staff during a period of delayed income. Once his next major project began, he completed his agreement without issue.
This support allowed Jake to retain his team and keep his business moving forward during a difficult period. Bizcap is built for moments like these, helping businesses stay on track even when challenges arise.
Fast, flexible business financing
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With Bizcap, the process was quick and no hassle at all
We can repay small amounts regularly and it doesn’t impact our cash flow
The speed, the personable approach and the willingness to listen to the business owner rather than just the financials keep me coming back.
Incredible customer service. Really impressed with the communication, speed and efficiency
Bizcap's dedication to building long-term relationships with its clients ensures ongoing support and assistance beyond the initial funding, helping businesses thrive in the long run.
Bizcap is a business loan provider that demonstrates excellent customer experience above and beyond the traditional realms of service or lending.
Canada's most open-minded funder
Bad credit? Existing financing? No worries
Bizcap is committed to giving viable businesses a fair opportunity, even if they have been turned away elsewhere. We can issue a conditional offer with no obligation to proceed, so you remain in control of your next steps.
Get funds fast
Bizcap understands the importance of speed. Our application takes less than 5 minutes to complete and we provide next day funding, supporting businesses through both growth periods and challenging moments.
Plug cash flow gaps
With just some basic information, Bizcap can provide a conditional offer in as little as 3 hours.
Business financing made simple
With just some basic information, Bizcap can provide a conditional offer in as little as 3 hours.
Get business financing for what comes next
Despite a challenging financial history, a skincare clinic secured $27,000
Bizcap looks beyond surface-level financial history and takes each business’s unique circumstances into account. After confirming that the owner’s past issues did not reflect her current performance, Bizcap provided an initial $12,000 funding solution. Her strong delivery on that agreement made it possible for her to secure four additional rounds of Bizcap funding, totalling $108,000.
With Bizcap’s support, the clinic was able to stabilize its cash flow and move forward with confidence.
Existing financing? No worries. How Bizcap helped this fashion wholesaler capitalize on a peak sales period
This was the situation for a women’s fashion wholesaler who approached Bizcap seeking additional support while already carrying existing funding elsewhere.
Bizcap recognized the earning potential of the opportunity and provided the business with $250,000 in working capital to capitalize on the peak sales period.
This bakery cafe achieved a double-digit rise in revenue with Bizcap funding
The business owners used the capital to purchase new equipment and update their premises, increasing customer capacity. These upgrades, combined with the positive online reviews that followed, contributed to double-digit gains in both revenue and profit margins.
Our solutions
Fast Business Financing
Alleviate cash flow constraints with our fast business financing.
Small Business Financing
Thinking of growing your business? Think Bizcap small business financing.
Secured Business Financing
[Coming soon] Larger financing solutions with flexible payment terms.
Bridging Finance
[Coming soon] Plug cash flow gaps at heavily reduced rates.
Line of Capital
[Coming soon] Have funds at your fingertips whenever you need them.
Get in Touch
What type of financing does Bizcap offer?
Bizcap provides fast and flexible business funding solutions for small and medium-sized businesses. Our models include Revenue Based Financing (RBF) and Line of Capital (LOC). Our financing sizes vary from $10,000 to $2,000,000.
How much can I access from Bizcap?
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.
How quickly can I get funds into my account?
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.
How can Bizcap fund my business faster than other capital providers?
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.
What can delay my business funding application?
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.
How does the process work?
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.
What are Bizcap’s rates and fees, and how are they determined?
We consider each applicant’s revenue performance, financial history and overall business strength to determine a cost structure that aligns with the applicant’s profile. Debits are based on factors such as the amount and consistency of the business’s revenue, the years in operation, the business’s assets and the proposed use of funds.
We charge an underwriting fee, which is disclosed upfront. We also offer a discount for completing your RBF early.
What criteria do I need to meet to apply for funding with Bizcap?
Bizcap has clear minimum eligibility criteria to ensure our solutions remain accessible to a wide range of businesses.
For Bizcap’s Revenue Based Financing or Line of Capital, you will need:
1. An active Canadian Business Number (BN).
2. At least 6 months of business history.
3. Monthly revenue of at least $20,000.
By meeting these criteria, you can confidently apply for working capital with Bizcap. For information on upcoming products or general queries, contact us for an obligation-free conversation.
What factors affect my application and approval?
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.
What if I only need business funding for a few weeks?
Bizcap can support bridge-capital needs with its Revenue Based Financing which is ideal for bridging timing gaps, quick purchases or other immediate requirements.
If you only need funding for a brief period, let us know and we can structure your model accordingly. Businesses that qualify may also access our Line of Capital.
We encourage responsible use of capital and offer discounts for completing your agreement early.
What can I use the funds for?
Funds can be used for almost any business purpose, including:
1. purchasing stock, inventory or equipment
2. marketing
3. hiring staff
4. operational expenses
5. expansion
6. renovation or unexpected repairs
7. growth and cash flow support
What are Bizcap’s cost structures and how are they determined?
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.
