Bizcap Loans Explained 2025: Features, Costs, and When They Fit Your Business
Last updated: November 2025
Business Finance Insights by Casey Asset Finance — helping Australian Small Business Owners access smarter funding.
When your business needs fast funding — especially after a bank decline — Bizcap is one of the well-known lenders offering quick, flexible business loans in Australia.
As part of our trusted lender panel at Casey Asset Finance, Bizcap is one of several non-bank lenders we can access for our clients who need short-term, unsecured funding to support cash flow or growth.
This guide breaks down how Bizcap loans work, who they’re designed for, and how they compare to other finance options — so you can make a confident, informed choice.
What Bizcap Offers
Bizcap provides unsecured business loans designed for speed and accessibility. Their loans are often suited to small or medium-sized businesses that have:
Irregular cash flow
ATO debt or defaults
Been operating at least 6 months
Typical features include:
Loan amounts from $5,000 to $2,000,000
Terms between 3 to 12 months
Funding often within 24 hours
Minimal documentation (low-doc friendly)
Instead of traditional interest rates, Bizcap uses a factor rate model.
This means you agree upfront on a total repayment amount rather than an ongoing interest rate.
💡 Example: Borrow $50,000 at a 1.3 factor rate → repay $65,000 total, regardless of term.
This can make repayments predictable but often results in higher short-term costs compared to standard business loans.
Real Client Example (Names Changed for Privacy)
Henry, owners of a manufacturing company in NSW, used a Bizcap loan to manage supplier payments during a tight cash flow period.
The funds arrived quickly and helped them meet deadlines.
Later, when their revenue stabilised, they contacted Casey Asset Finance to explore long-term funding options.
We helped recommend them into a longer-term facility with smaller monthly repayments — improving their cash flow while maintaining healthy business credit.
💬 Outcome: Fast funding from Bizcap bridged an immediate gap, and restructuring later reduced long-term costs.
Key Features & Considerations
✅ Key Features
Fast approvals, often within 24 hours
Simple online application process
Suitable for bad credit or ATO debt
Low documentation required
⚖️ Considerations
Short loan terms (typically under 12 months)
Repayments are daily or weekly
Higher overall cost of finance than traditional non-bank lenders
May not suit businesses with slow receivables
In summary: Bizcap loans are most effective for businesses that need fast access to funds and have strong daily or weekly turnover.
When a Bizcap Loan May Be Right for You
A Bizcap loan could suit your business if:
You’ve been trading for at least 6 months
You need fast working capital for stock, wages, or supplier payments
You have consistent income but can’t provide full financials
You’ve had trouble getting approved through traditional banks
Comparing Bizcap With Other Lenders
At Casey Asset Finance, we compare over 40 Australian lenders, including Bizcap, to find the best fit for each client.
Depending on your goals, there may be lenders offering:
Longer repayment terms (up to 36 months)
Lower cost of finance for good cash flow businesses
Alternative products like equipment finance or a business line of credit
That’s why every application we handle starts with a no-impact pre-assessment — so you can see your options before applying anywhere.
How to Apply Through a Broker
Working with a broker means you’re not tied to one lender.
We’ll compare Bizcap’s offer alongside other trusted lenders and present the most suitable option — based on your business performance, not just credit score.
Our process:
Check eligibility (30 sec) – no score impact.
Compare lenders side-by-side.
Get funded quickly — often within 24–48 hours.
👉 Check My Eligibility (30 sec)
100% Free Pre-Assessment • No Credit Score Impact • Fast Response
Frequently Asked Questions
Q: Does Bizcap check credit scores?
A: Bizcap may conduct a soft credit check, but they focus primarily on your business’s cash flow and trading history.
Q: Can I apply through Casey Asset Finance for a Bizcap loan?
A: Yes. Bizcap is part of our lender panel. We can help you apply directly or compare alternatives for better fit and pricing.
Q: Are Bizcap loans secured?
A: Most Bizcap loans are unsecured, meaning no asset security is required for smaller loan amounts.
Q: Can I refinance a Bizcap loan?
A: Yes. Once your business stabilises, we can help you refinance into a more suitable loan with longer terms or lower repayments.
Final Thoughts
If you would like to get a quote with longer terms, lower rates, or simply no early exit fees, we’re here to help.
Fast approvals. Real support. Trusted advice.
Check My Eligibility (30 sec)
100% Free · No score impact · Approvals within 24 hours
About the author
Michael Pajar is the Director of Casey Asset Finance, a Melbourne-based business finance brokerage helping Australian SMEs secure funding through fast, transparent, and responsible lending solutions.
Call Michael on - 0450 622 115
Or email me at - michael@caseyassetfinance.com.au
Legal & Disclosure
Information only. Not personal advice. Seek independent professional advice before acting.
Trademarks. Bizcap™ and other brand names are trademarks of their respective owners. Use here is for reference only and does not imply endorsement.
Products change. Features, eligibility and pricing change without notice; confirm with the lender (do your due diligence every time).
Dispute resolution. External dispute arrangements differ by lender—check the lender’s AFCA membership using AFCA’s public search tool.
Remuneration. We may receive commissions from lenders (including Bizcap) if a facility settles via us. Commission arrangements vary. We recommend from lenders based on your circumstances; other options may exist. We are not whole of market, and no outcome is guaranteed.
Corrections & right of reply. If you represent a lender mentioned here and believe information is inaccurate, email michael@caseyassetfinance.com.au and we’ll review promptly.
