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When IT issues delayed payments from her major clients, this business owner was left unable to pay for new stock. She approached her bank for a loan, but their lengthy approval process was far too slow for her urgent needs. Enter Bizcap.
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Asset finance and mortgages used to be the core business of adviser Mo Saleh. Now, he leverages Bizcap's fast and flexible SME loans to broaden his offering, which retains clients and grows his customer base.
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How Bizcap’s commitment to saying “yes” more often helped a retail business owner secure funding despite a low credit score and multiple rejections.
Planting season was almost over and Nicole, strapped for cash, couldn’t get spuds into the ground. When her bank wouldn’t help, she turned to Bizcap.
John’s shop was bleeding cash as he tried to build up his customer base. With Bizcap’s help, he smoothed out cash flow until the shop was profitable.
The husband and wife owners fast-tracked renovations and purchased new equipment, driving increased sales.
Facing an inventory shortfall, a fashion wholesaler secured Bizcap funding and enjoyed a prosperous Christmas sales period.
“We probably wouldn’t still be around if it wasn't for the loans and help we got from Bizcap,” said the small business owner.
A race against time, a call to Bizcap and an $800K loan funded that day. Discover how Bizcap’s unbeatable speed opened doors for a business owner.
Briar Simmons turned the page on traditional lenders, growing her business with Bizcap's help.
Aaron was unsatisfied with his business bank, so he turned to Bizcap, where he found great service and fast access to cash.
Small business bridging finance is a short-term funding solution that helps businesses cope with temporary financial gaps. It lets them address immediate needs or opportunities by providing quick access to capital before they receive the expected funds, such as payments from clients, sales or grants. This financial bridge aids in maintaining operations, seizing opportunities, or managing cash flow until more stable, long-term financing is secured.
Bizcap offers Bridging Finance at heavily reduced rates compared with our standard solutions. What’s more, we can do it incredibly fast, funding loans in as little as 24 hours. So whether you’re waiting for payments from clients, settlements on assets or properties, grants or large sales, Bizcap can help keep your business on track in the interim.
Small business bridging finance operates as a short-term solution. When a business faces temporary cash flow gaps or needs quick capital, it can secure a bridging loan that allows it to cover immediate expenses or seize opportunities while waiting for expected funds, like customer payments or government grants. Once those funds come in, the business repays the bridging loan. It's a flexible and timely financial tool that helps small businesses bridge financial gaps without disrupting operations.
Bizcap offers Bridging Finance of $150,000 to $2 million for up to 12 weeks, funding loans in as little as 24 hours. We offer these at a heavily reduced rate compared with our standard loans — up to 65% off, depending on the circumstances.
Business bridging loans furnish small businesses with strategic advantages. Swift access to funds empowers timely decision-making and capitalizing on opportunities. The short-term nature of bridging loans addresses cash flow needs without long-term commitments, offering flexibility for dynamic demands. Whether navigating opportunities or challenges, these loans ensure operational continuity for small businesses. Bizcap Bridging Finance has the added advantage of offering heavily reduced rates compared to our standard loans, up to 65% off depending on the scenario. Furthermore, they can be funded in as little as 24 hours.
Bizcap specialises in providing fast and flexible business loans to small and medium-sized businesses. Our solutions include Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and Lines of Credit. Our loan sizes vary from $5,000 to $2,000,000 and Lines of Credit are available up to $150,000.
Bizcap offers business loans of $5,000 to $2,000,000 and Lines of Credit up to $150,000. To find out more about each of our loans, compare our solutions.
The specific amount of your business loan is influenced by factors like your business's cash flow, operational duration, assets, and loan purpose. We assess these aspects to gauge your business's health and creditworthiness.
Our aim is to offer customized loans that address each business's unique financial needs, minimizing risk for both parties. By thoroughly evaluating factors contributing to your business's financial health, we determine an appropriate loan amount and terms to support sustained growth and success.
At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast and Small Business Loans can be approved within 3 hours and funded that day.
Our other solutions can be issued in as little 24 hours. If you need funds sooner, let your Loan Specialist know and they can fast track your application. This quick turnaround ensures our customers get access to the funds they need to meet their obligations and grow in a competitive market.
Generally speaking, to qualify for a small business bridging loan, businesses must demonstrate a viable repayment plan, financial stability and collateral. Lenders assess creditworthiness and require a clear exit strategy. Meeting these criteria, along with transparent financial documentation, enhances eligibility in small business lending.
To qualify for Bizcap Bridging Finance, you’ll need to meet our minimum eligibility criteria of having an active NZBN, to be the owner of property and a clear exit strategy.
Small business bridging loan approval times vary, usually taking days to weeks. Factors like application complexity and documentation completeness influence the speed. Streamlining the process, promptly submitting required documents, and choosing an efficient lender can expedite small business bridging loan approvals.
Bizcap prides itself on offering fast and flexible small business loans, and our bridging finance is no different. With Bizcap Bridging Finance, you can get funds in as little as 24 hours.
Alternatives to small business bridging finance include bank loans, lines of credit, business cash advances, crowdfunding, angel investors, venture capital and government grants. Each choice has unique terms, providing flexibility for small businesses to select the financing method that suits their needs. At Bizcap, we offer several alternatives to bridging finance, including Fast Business Loans, Small Business Loans, Secured Business Loans and Lines of Credit.
Securing a bridging loan with bad credit can be challenging, as lenders typically consider credit history. However, specialised lenders like Bizcap offer options. Bizcap has no minimum credit score requirements and doesn’t run a credit check to make an initial loan offer. Bizcap can also accept businesses with defaults and judgments, as well as those with existing loans and IRD debt, depending on the scenario.
Small business owners avoid shopping around for the best loan offer out of an understandable concern that doing so would result in multiple credit checks. Each credit check, or "hard inquiry," can slightly lower your score. What’s more, some lenders view multiple credit inquiries within a short period as a sign of financial instability.
One great thing about Bizcap is that we can make an initial offer without running a credit check, which makes applying for a loan completely risk-free.
Only once you decide to proceed with the loan do we run a hard inquiry to make the offer unconditional. If you’d like to find out how much your business would be eligible for, apply now for an obligation-free offer.
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Sylvia Park Level 5/3 Te Kehu Way, Mount Wellington, Auckland 1060, New Zealand
info@bizcap.nz0800 249 227
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