Bizcap: products, terms and eligibility

Bizcap is a UK provider of unsecured business loans. The legal entity named on its site is Bizcap Limited, company number 14591050. It is based in London. It gives its founding year as Group founded 2019. It is part of Bizcap group (operates in Australia, New Zealand, the UK, Singapore and Europe).

Bizcap says its group was founded in 2019 and expanded from Australia to New Zealand, the United Kingdom, Singapore and Europe. The UK business is Bizcap Limited (company number 14591050). It states it is registered with the FCA (reference 994366) for anti-money laundering purposes only, and gives an ICO registration number.

In its own words on scale:

• Says it has funded more than £3,000 million globally (figure on its site in October 2026).
• Says it has approved more than 100,000 small business loans (figure on its site in October 2026).

Everything on this page comes from what Bizcap publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Bizcap publishes 5 products for UK businesses. The table above gives the amounts and terms as it states them.

• Fast Business Loans: Daily or weekly repayment plans.
• Small Business Loans: Daily or weekly repayment plans.
• Line of Credit: Draw funds as needed and pay for what you use.

Fast Business Loans

Unsecured loans of £5,000 to £1,000,000 designed for short-term cash flow, with daily or weekly repayment plans. Applicants need an active company registration number, at least 4 months trading and monthly revenue of at least £12,000. It says there is no up-front credit check and asks for business bank statements. It says early repayment earns a discount rather than a penalty.

Small Business Loans

Unsecured loans of £5,000 to £1,000,000 with flexible repayments, including daily or weekly options, on the same eligibility as its fast business loans. Business bank statements are the document asked for at application.

Secured Business Loans

Loans of £30k to £1m, with the amount depending on cash flow, how long the business has traded, its assets and the loan purpose. Applicants need an active company number and trading history. It describes itself as a low-documentation lender, asking for business bank statements and possibly more after a conditional offer. Loan-to-value and the exact security taken are not stated. It says early payment earns discounts rather than penalties.

Line of Credit

A revolving facility of up to £500,000 giving flexible access to funds as needed. Repayment, security and eligibility details are not set out on the page read.

Bizcap says its finance is used for:

• Short-term cash flow
• Working capital
• Property bridging
• Flexible access to funds

Bizcap publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Active company registration number (CRN).
• At least 4 months of trading for most loans.
• Minimum monthly revenue of £12,000 for most loans.
• At least 5 months of trading for Secured Business Loans.

Bizcap describes its process like this:

1. Complete the online application.
2. Upload business bank statements.
3. Bizcap assesses the application without an up-front credit check.
4. Further documents may be requested after a conditional offer.
5. If approved, funds are paid out.

Information it says it asks for:

• Business bank statements
• Further documents after a conditional offer for secured loans

Every application is subject to status and the lender’s own criteria at the time.

An unsecured business loan is a fixed sum repaid in instalments over an agreed term, without a charge over a specific asset. Most lenders still ask the directors for a personal guarantee, which makes them personally liable if the company cannot repay.

Lenders price each loan on the business’s trading history, turnover and credit profile, so the offer you receive can differ from the published range. Compare the total cost in pounds and the repayment pattern, not only the headline rate: our guide on how to compare business loan lenders shows how.

Points Bizcap publishes that are worth knowing:

• Charges an establishment fee on the loan, agreed upfront.
• Secured Business Loans and Bridging Finance are secured; bridging is described as typically secured by property.
• Says it can make a conditional offer without running a credit check, and may obtain a credit report before an unconditional offer.
• Registered with the FCA for anti-money laundering purposes only.

Security and guarantees

Its fast and small business loans are described as unsecured; personal guarantee requirements are not stated on the pages read. Secured business loans and bridging finance are secured, with bridging typically on property the applicant owns. It says early repayment is rewarded with discounts rather than penalised.

Bizcap’s site states: “We are registered with the Financial Conduct Authority reference number: 994366 and ICO registration number: ZB638371. We are registered with the Financial Conduct Authority for anti-money laundering purposes only.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of unsecured business loans with profiles here include Braemar Finance, Business Enterprise Fund (BEF) and Credit4. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.