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Lender review

Bizcap business lending overview.

Bizcap is a trans-Tasman alternative SME lender with a New Zealand presence, widely regarded as fast on decisioning and broad on credit appetite. Independent editorial coverage.

Visit Bizcap Last reviewed 5 May 2026

Indicative repayment

Weekly

Disclaimer

$1,113/week

$4,821 /month $11,783 total interest
$75,000
$5,000 $500,000
18 months
6 months 5 years
19.00% p.a.
8% (secured) 30% (unsecured)
Apply directly with Prospa Why Prospa

Indicative only. Not a quote or offer of credit. Actual rates, fees, and repayments depend on the business profile and the lender's decision.

Educational

Indicative only. Why we say this

Quick answer

What to know about Bizcap NZ business lending.

  • Trans-Tasman alternative lender Australian-founded with NZ presence. FSPR-registered. Not a registered bank, not RBNZ-supervised.
  • Broker-led distribution A large share of Bizcap NZ volume arrives via finance brokers; direct online application is also available.
  • Broad credit appetite Funds NZ SMEs with non-standard profiles where major banks and some alternative lenders have declined.
  • Speed-led positioning Widely regarded as fast in the NZ market, with decisions on smaller files commonly returned the same business day.

Lender overview

A trans-Tasman alternative lender for non-standard NZ SME profiles.

Bizcap is an alternative business-lending company founded in Australia and operating in the New Zealand market as a trans-Tasman SME funder. The NZ entity is registered on the Financial Service Providers Register and is a member of an external dispute resolution scheme. Bizcap is not a registered bank.

The product set is built around a single tailored business loan, commonly $5,000 to $5,000,000 with terms of 3 to 36 months, structured as unsecured (with director PG) at smaller amounts and lightly secured (PG plus GSA, occasionally property caveat) at larger amounts. Repayments are typically daily or weekly via direct debit.

Bizcap's competitive positioning in NZ is built on broad credit appetite and speed rather than headline rate. The lender markets a willingness to fund borrowers with credit-impaired histories, recent restructures, or non-standard profiles where other alternative lenders have declined.

Loan amount

$5K to $5M

Term

3 to 36 months

Channel

Broker-led, direct

Type

Trans-Tasman alternative

Product range

Bizcap's NZ small-business product set.

Unsecured term loan

Bizcap Business Loan (small)

Unsecured business loan from around $5,000 to $250,000 across 3 to 18-month terms, against a director personal guarantee.

  • Amount: $5K to $250K
  • Term: 3 to 18 months
  • Security: Director PG
Lightly secured

Bizcap Business Loan (mid)

Lightly secured business loan from around $250,000 to $1,000,000 across 6 to 24-month terms, against PG plus GSA registered on the PPSR.

  • Amount: $250K to $1M
  • Term: 6 to 24 months
  • Security: PG plus GSA
Property-supported

Bizcap Business Loan (large)

Larger business loans up to $5 million, commonly supported by property caveat or registered second mortgage.

  • Amount: $1M to $5M
  • Term: 6 to 36 months
  • Security: PG, GSA, caveat
Repayment shape

Daily or weekly direct debit

Repayments run on daily or weekly direct-debit cadence rather than monthly. Suits SMEs with steady daily takings.

  • Cadence: Daily or weekly
  • Channel: Direct debit
  • Suits: Steady daily turnover

Indicative pricing

Where Bizcap typically prices.

ProductIndicative rate bandCommon termSecurity
Business Loan ($5K to $50K)15% to 30% p.a. indicative3 to 18 monthsDirector PG, unsecured
Business Loan ($50K to $250K)14% to 25% p.a. indicative6 to 18 monthsDirector PG, unsecured
Business Loan ($250K to $1M)12% to 22% p.a. indicative6 to 24 monthsPG plus GSA
Business Loan ($1M to $5M)10% to 18% p.a. indicative6 to 36 monthsPG, GSA, caveat
Origination fee2% to 5% of advanceOne-offn/a

Where it fits

Where Bizcap fits on a NZ SME shortlist.

Bizcap often suits

  • NZ SMEs whose profile sits outside major-bank credit policy (recent restructure, credit blemishes, short trading history) but with consistent recent trading conduct.
  • Borrowers needing a short-term commercial bridge to a known exit (major-bank refinance, asset sale, settlement window).
  • Owners working with a NZ finance broker on non-standard applications other lenders have declined.
  • Hospitality, retail, and services businesses with steady daily takings.
  • NZ SMEs needing larger amounts ($1M+) on a fast timeline.

Where to look elsewhere

  • Borrowers who can clear a major-bank application at lower indicative pricing.
  • Asset finance against a specific vehicle, truck, or piece of equipment, where dedicated specialists price below.
  • Pure commercial property purchases or refinances.
  • Borrowers prioritising the lowest indicative rate within the alternative-lender tier.
  • Pre-revenue startups with no recent trading history.

Editorial-only disclosure

This page is independent editorial.

Businessloans.org.nz is not affiliated with Bizcap, has no commercial relationship with Bizcap as at the last reviewed date, and earns no referral revenue from links to Bizcap's website. Our calculator referral path is to Prospa, disclosed at /partner/. Indicative content only.

References

Sources

FAQ

Bizcap business lending, questions answered

Is Bizcap a New Zealand bank?

No, Bizcap is not a registered New Zealand bank and is not supervised by the Reserve Bank of NZ. The NZ entity is an alternative business-finance company registered on the Financial Service Providers Register.

What business loan products does Bizcap offer in NZ?

Bizcap NZ runs a single tailored business loan product, structured as unsecured at smaller amounts, lightly secured (PG plus GSA) at mid-range amounts, and property-supported at larger amounts. Loan amounts run from roughly $5,000 to $5 million across 3 to 36-month terms.

How much can a NZ business borrow from Bizcap?

The published range is roughly $5,000 to $5,000,000. The actual amount available is set by Bizcap after credit assessment of recent trading conduct, turnover, and security position.

What are Bizcap's indicative interest rates in NZ?

Bizcap quotes a tailored rate after assessment, with pricing reflecting the broader credit appetite. Indicative bands run from roughly 10% to 30% p.a. depending on amount, term, profile, and security. Origination fees in the 2% to 5% range of the advance are typical.

How fast does Bizcap fund in New Zealand?

Bizcap is widely regarded as fast in the NZ alternative-lender market. Decisions on smaller, clean broker-introduced files are commonly returned the same business day, with funding inside 1 to 5 business days of acceptance.

Does Bizcap require property security?

Bizcap structures vary by amount. Loans up to roughly $250,000 are typically unsecured. Loans from $250,000 to $1,000,000 typically add a GSA registered on PPSR. Loans above $1,000,000 commonly add a property caveat or registered second mortgage.

Who does Bizcap typically lend to in NZ?

Bizcap's positioning targets NZ SMEs with non-standard profiles: recent restructures, credit-impaired histories, short trading windows post-acquisition, or rapid growth profiles. The lender places more weight on recent trading conduct than on long-term financials.

Is interest on a Bizcap business loan tax deductible?

Interest on a Bizcap business loan used wholly for business purposes is generally deductible against business income for NZ tax purposes, subject to the accountant's confirmation on the specific business position.

How does Bizcap compare to Prospa in NZ?

Bizcap and Prospa both operate in the NZ alternative-lender tier. Prospa typically prices below Bizcap on standard-profile applications and runs a fully online flow without a broker. Bizcap typically wins on broader credit appetite and on larger amounts (up to $5M vs roughly $500K).

What documents does Bizcap need for a NZ application?

A typical Bizcap application asks for the NZBN, the director's ID, the last 3 to 6 months of business bank statements, the loan amount and purpose, monthly turnover, and trading-start date. Larger amounts add P&L, balance sheet, and cash-flow forecast.

What happens if a Bizcap loan goes into default?

On default, Bizcap's first remedy on an unsecured loan is the director PG. On GSA-secured loans, Bizcap can enforce against business assets via the registered PPSR security interest. On property-caveat or second-mortgage loans, the property security can be enforced.

Do I need a finance broker to apply to Bizcap?

No, a direct online application path is available via bizcap.co.nz. However, a large share of Bizcap NZ volume arrives through finance brokers, particularly on non-standard or larger files where structuring matters.

Related

Related reading

Short-term business loan

The product family Bizcap's smaller and bridging loans typically sit inside.

Read on

Unsecured business loan

The category Bizcap's smaller-amount lending sits inside.

Read on

Prospa

A close competitor in the NZ alternative-lender market.

Read on

Cafe loans

Bizcap is widely used for NZ cafe operators with thinner credit histories.

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E-commerce business loans

Bizcap funds NZ e-commerce operators where traditional lenders decline on revenue concentration.

Read on

Disclaimer

Indicative content only. Not personalised financial advice.

A business loan is a commitment that runs for months or years, and repayments come out of the same operating cash flow as everything else. Before committing, it is worth modelling the weekly and monthly cost against the business's working-capital position, which is what this site is built to help with. Borrowing at a level that stays comfortable through a quiet quarter, not just a strong one, is widely regarded as the safer frame.

What this site is

A calculator and information tool. Not a lender, not a broker, not a registered financial adviser. Nothing here is personalised financial advice.

What the figures show

Modelled estimates based on the inputs you enter. Not a quote. Not an offer of credit. Not a guarantee of approval, rate, or fees.

What the lender decides

Final rates, fees, and approval are set by the lender after a CCCFA-appropriate assessment of the applicant's circumstances and credit decision.

Commercial disclosure

Businessloans.org.nz earns a commission from Prospa when a visitor applies through this site and their application is approved. The commission is paid by Prospa, not by the borrower, and it does not influence the rate Prospa offers. Full disclosure on the partner page.

Tax, GST, and accountant framing

Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) are general in nature and subject to your accountant's confirmation on the specific business position. For material amounts, professional advice from a registered financial adviser or chartered accountant is widely regarded as the safer frame.

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Important information

About this site, the figures, and your protections.

Last reviewed 5 May 2026.

1. What this site is

Businessloans.org.nz is a New Zealand education site and a free repayment calculator. It is not a lender, not a broker, and not a registered financial adviser. We do not arrange credit, hold client money, or provide regulated financial advice as defined under the Financial Markets Conduct Act 2013 Part 6 or the Financial Services Legislation Amendment Act 2019. Nothing on this site is personalised financial advice.

2. The calculator and figures

All numbers shown by the calculator, in worked examples, and across the site are indicative only and modelled from the inputs entered. The figures are not a quote, not an offer of credit, and not a guarantee of the rate, fees, term, or approval available to any specific business. Final pricing, fees, and approval are set by the lender after the lender's own credit assessment.

3. General information, not advice

Content on this site is general information (class information). It does not take into account the financial situation, objectives, or needs of any particular business or person. Before making a borrowing decision, professional advice from a licensed Financial Advice Provider, a chartered accountant, or a solicitor is widely regarded as the safer frame, particularly where amounts are material or the borrowing involves a personal guarantee.

4. Commercial relationship with Prospa

When a calculator user clicks "see if you qualify", the application hands off to Prospa, our New Zealand SME finance partner. Businessloans.org.nz earns a referral commission from Prospa when a referred application converts to a funded loan. The commission is paid by Prospa, not by the borrower, and does not change the rate, fees, or terms Prospa offers the business. We do not claim Prospa is the cheapest or best lender for every applicant. Full disclosure is on our partner page.

5. Tax, GST, and accountant framing

Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) on this site are general in nature and subject to confirmation by your accountant on the specific business position. For material amounts, professional tax advice from a chartered accountant is widely regarded as the safer frame. Inland Revenue is the primary source for any specific NZ tax-treatment question.

6. Privacy and personal information

Consistent with the Privacy Act 2020, we do not run lead-capture forms on this site. Calculator inputs stay in the browser and are not transmitted to a server we control. We use Google Analytics 4 for aggregate, non-personal traffic data only. When a visitor clicks through to Prospa they leave our site, and Prospa's privacy policy applies. The Credit Contracts and Consumer Finance Act 2003 (CCCFA) framework applies at the lender level where a sole trader's borrowing is wholly or predominantly for personal use, or where a personal guarantor is involved.

7. Fair dealing posture

This site operates under the fair-dealing requirements of the Financial Markets Conduct Act 2013 Part 2 and the Fair Trading Act 1986. We avoid misleading or deceptive conduct, false representations, and unsubstantiated claims. Numeric or regulatory claims are hedged or sourced to a primary New Zealand authority (NZTA, MBIE, Inland Revenue, Reserve Bank of New Zealand, Stats NZ, Commerce Commission, Financial Markets Authority).

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To the maximum extent permitted by New Zealand law, Businessloans.org.nz, its operators, and its contributors are not liable for any loss or damage (direct, indirect, consequential, or otherwise) arising from use of the site or reliance on its content, indicative figures, or third-party information. These terms are governed by the laws of New Zealand. Any disputes are to be resolved in New Zealand courts.

Long form: terms, privacy, footer disclaimer.