Need a business loan without the paperwork headache? You’re not alone.

If you’re a small business owner, you know that traditional lenders can make getting a loan feel like an uphill battle. Mountains of paperwork, long processing times and rigid approval criteria can delay funding when you need it most.

That’s why more than 1 in 10 Bizcap customers say our easier application process was the top reason they chose to borrow with us.

With Bizcap’s low-doc business loans, you can access funding quickly and with minimal documentation—helping your business seize opportunities without the wait.

Why do traditional lenders require so much paperwork?

Banks and traditional lenders have strict lending criteria, often requiring financial statements, tax returns, personal income details, credit history, and even business plans (especially for startups). Gathering these documents can be time-consuming and frustrating, delaying funding when businesses need it most.

Gathering these documents takes time, and many small businesses, especially seasonal businesses or newer ventures struggle to meet these stringent requirements. Even if they have strong revenue, they may face rejection or long delays.

At Bizcap, we do things differently. Our low-doc business loans eliminate the red tape. Instead of requiring years of financial records, we focus on cash flow and revenue, allowing for faster approval and higher approval rates.

What is a Low-Doc business loan?

A low-doc loan (short for low-documentation loan) is a business loan that requires minimal paperwork. Rather than relying on years of financial records, low doc lenders Bizcap evaluate your cash flow and revenue, ensuring quicker approval times and more flexibility.

Why More Businesses Are Choosing Bizcap’s Low-Doc Loans

Speed matters. In fact, a recent study found that 50.6% of Bizcap customers chose us specifically because of our fast service.

Here’s what makes our low-doc loans different:

Minimal Paperwork: No endless financial statements or tax returns

  • Fast approvals: Get a decision in as little as 3 hours
  • Flexible eligibility: Bad credit score? We’re still open to lending
  • Higher approval rate: We are New Zealand's most open-minded lender, saying “yes” more often.

Who Benefits Most from Low-Doc Business Loans?

Bizcap’s low-doc loans are designed for businesses that need fast, flexible funding. Here’s how different industries have benefited:

Businesses Taking on Bigger Projects‍

A NZ electrical contractor secured $165K in 24 hours, enabling them to accept larger contracts and grow their operations without worrying about delayed financing.

Businesses Facing Payment Delays

Timing is everything in business. A construction supplier experiencing payment delays needed funds fast to keep operations running. Bizcap provided a quick solution, ensuring they could continue fulfilling orders without disruption.

Businesses Rejected by Banks

Banks often turn businesses away due to credit scores, but Bizcap takes a different approach. A retail clinic secured $118,500 despite a low credit score, helping them invest in new equipment and expand their services.

With Bizcap, businesses don’t have to miss out on growth opportunities just because they don’t fit the traditional lending mold.

What Is the Process of Applying for a Bizcap Loan?

Applying for a low-doc business loan with Bizcap is quick and hassle-free. Unlike traditional lenders, we keep paperwork to a minimum—so you can apply in minutes and get an initial offer fast.

Step 1: Check Your Eligibility

Before applying, ensure your business meets these three simple criteria:

✔ An active NZBN

✔ At least 4 months of trading

✔ A minimum monthly revenue of $12,000

Step 2: Complete the Online Application

Filling out our online application form takes less than five minutes. Simply provide:

  • Your business name
  • Your monthly revenue
  • The loan amount you're after
  • Your contact details

Step 3: Upload Your Business Bank Statements

Being a low-doc lender, the only document we require before making you a conditional offer is your business bank statements.

No Credit Check Required for an Initial Offer

Unlike many lenders, Bizcap can provide an initial offer without running a credit check, so your credit score remains unaffected.

Step 4: Receive and Accept Your Offer

If eligible, you’ll receive an initial loan offer in as little as 3 hours. Once you accept the offer, we’ll request:

  • Your driver’s licence (or another form of ID)
  • A trust deed (if applicable)

After that, your funding is processed quickly, so you can focus on growing your business.

Get the funding you need, without the wait

Traditional lenders make getting a business loan complicated. Bizcap makes it simple.

Whether you need funds for cash flow, expansion, or unexpected expenses, our low-doc business loans help you move forward without the paperwork bottleneck.

Ready to apply? Get started today.

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