Bizcap

Bizcap, agile funding for UK SMEs

Bizcap is a business lending provider operating in the UK, targeting small and medium-sized enterprises (SMEs). Its proposition focuses on speed and flexibility: it offers funding from £5,000 to £1,000,000, with approval decisions possible in as little as three hours and disbursements that, depending on the product, range from same day to within 72 hours. The company presents itself as one of the most open-minded lenders in the UK SME market and states it has funded over £3 billion globally, with more than 100,000 loans granted to small businesses and an average rating of 4.8 out of 5.

Funding products

Bizcap's catalogue is structured around five main solutions, each aimed at different liquidity and investment needs:

• Fast Business Loans: loans from £5,000 to £150,000, with approval in as little as three hours and the possibility of receiving funds the same day once approved.
• Small Business Loans: funding from £5,000 to £500,000 to support cash flow, investment or growth, with disbursement in a minimum of 48 hours.
• Secured Business Loans: secured loans from £30,000 to £1,000,000 for larger funding needs, with flexible terms and funds from 48 hours.
• Bridging Finance: short-term bridging finance from £150,000 to £1,000,000 to cover temporary cash flow gaps for up to 12 weeks.
• Line of Credit: a credit line of up to £500,000, where the client draws funds as needed and pays only for what they use.

How the application process works

The application process is completed online and, according to the company, takes less than five minutes. The applicant must provide their business details and bank statements. Based on that information, the team of analysts assesses the application and, if approved, presents a funding offer tailored to the business. To qualify for funding, the applicant business must meet three requirements: have an active company number, have been trading for at least four months and have a minimum monthly revenue of £12,000.

The procedure is structured in three steps: online application, assessment by the loan team — with no upfront credit check — and receipt of funds, which can arrive the same day or within up to 72 hours depending on the chosen solution, with a repayment plan tailored to the client's needs.

Flexible assessment and repayment terms

Bizcap states that its assessment is not limited to credit score: it analyses the overall situation of the business, so a negative credit history or existing loans do not automatically exclude the applicant. The lender can issue a conditional offer without a credit check, so exploring options does not affect the client's credit score. As for repayment, it offers daily and weekly payment plans designed to adapt to each company's cash flow, and considers early payment discounts: settling the loan ahead of schedule may entitle the borrower to a discount on the remaining cost of funding.

Partner collaboration programme

The company has a partner programme aimed at intermediaries and advisers who want to offer their SME clients access to funding. Bizcap provides partners with a dedicated support team to help them find the right funding solution for each client, as well as a specific portal to manage transactions.

Documented funding cases

The site includes specific examples of completed transactions. These include an £840,000 cash flow bridge for a civil infrastructure company, combining £680,000 in bridging finance with a £160,000 line of credit; a £300,000 line of credit for a flooring specialist that had to fulfil a contract with 220 stores; a £928,000 secured loan for an event management company to settle arrears with HMRC and avoid a winding-up petition; £535,000 in small business loans to a commercial energy supplier; £76,000 in a line of credit for the renovation and expansion of a restaurant; £950,000 for another energy supplier with urgent HMRC deadlines; £5,000 approved in 45 minutes for a personalised gifts business; £116,000 in a fast loan for a concrete services company; £400,000 for a support service for people with disabilities and older adults; £75,000 for a retailer to complete the purchase of a property, with £55,000 approved in 24 hours; and a £90,000 line of credit for the expansion of a dental clinic.

Customer service and contact

The company serves customers through a team of loan experts, reachable by phone and email. Telephone support hours are Monday to Friday, 8:30am to 5:30pm GMT. It also has a dedicated email for partner enquiries.