Bizcap Review


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Natalie

"Fi was a pleasure to deal with. She responded quickly and easily. Highly recommend your service to any business. Thank you"

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Our review of Bizcap


Bizcap offers unsecured business loans between $5,000 and $600,000 to small businesses in Australia. Applications take 5 minutes to complete online and can be approved within 3 hours. Following approval from Bizcap, funds can be accessed within the next business day.

Suitable if your business: Suitable for businesses considering:
  • Has an active ABN or ACN 
  • Has operated for over six months
  • Has a monthly turnover of at least $10,000
  • Has no current or history of bankruptcies
  • Unsecured business loans
  • Business credit card
  • Business overdraft
  • Equity crowdfunding

Bizcap Loan Information

Loan TypeUnsecured Business Loan
Loan Amount$5,000 - $600,000
Loan Term3 - 24 months
Approval Time24 hours

Bizcap Overview


Bizcap provides unsecured business loans from $5,000 to $600,000. Finance can be used for various business purposes such as:

  • Paying off debt 
  • Purchasing equipment 
  • Funding a marketing campaign 
  • Hiring staff 
  • Improving cash flow 
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Unsecured business loans can only be used for legitimate business purposes.

You can apply for an unsecured business loan with Bizcap online:

  • Applications take less than five minutes to complete 
  • Applications can be approved within three hours 
  • Funds can be accessed the next business day 

Repayments are structured around your business’s cash flow, and be scheduled as either daily or weekly instalments.

Bizcap Business Loan Review

Loan FeatureLoan Details
Approval Time24 hours
Minimum Loan Amount$5,000
Maximum Loan Amount$600,000
Minimum Loan Term3 months
Maximum Loan Term24 months
Collateral RequirementsNone
RepaymentsDaily or Weekly

Learn more about Unsecured Business Loans.


How to apply for a Bizcap Business Loan


You can apply for a Bizcap unsecured business loan online, and will need to supply the following information as part of the application:

  • Three months of business bank statements 
  • Current ABN or ACN 
  • Valid identification, such as an Australian Driver Licence 

Bizcap Business Loan Approval Criteria

Minimum Monthly Gross Turnover$10,000
Minimum Trading History6 months

How much does a Bizcap loan cost?


Bizcap lists limited information about their fees, interest rates, and penalties. However, the lender offers a risk-based repayment plan structured around the following metrics:

  • Cash flow 
  • Payment history 
  • Business establishment date 
  • Assets owned 
  • Proposed use of funds 
  • The personal credit scores of directors 

Repayments can be structured into either a weekly or daily schedule.


Money.com.au Bizcap Summary


Bizcap offers unsecured business loans for Australian companies. Loans range from $5,000 to $600,000 and are suitable for any business purpose. Loan approvals are dependent on the financial health of your business, including its assets and cash flow. 

Bizcap has very positive reviews on Trustpilot, with respondents rating the company from “great” to “excellent.” People praised the company for its:

  • Friendly customer service 
  • Quick turnaround times 
  • Helpful advice 

Bizcap has operated since November 10, 2014, under the company name Guildfords Funds Management Pty Ltd.