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Bizcap Review

Bizcap is a fast-growing alternative business lender offering unsecured business loans up to £500,000. Originally founded in Australia, Bizcap expanded into the UK market and has built a reputation for speed, flexibility, and willingness to lend to businesses that traditional banks may decline. Their technology-driven approach enables lending decisions within hours and same-day funding in many cases.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£10k – £500k

Rates

1.5% – 5%

per month

Speed

Within 24 hours

Trustpilot

4.7/5

1,800 reviews

What is Bizcap?

Bizcap (Bizcap UK Ltd) is a UK-based business finance provider founded in 2019 and headquartered in London. Bizcap is a fast-growing alternative business lender offering unsecured business loans up to £500,000. Originally founded in Australia, Bizcap expanded into the UK market and has built a reputation for speed, flexibility, and willingness to lend to businesses that traditional banks may decline. Their technology-driven approach enables lending decisions within hours and same-day funding in many cases. They have lent £500 million to date, helping 15,000+ UK businesses.

Founded 2019 London Bizcap UK Ltd is authorised and regulated by the Financial Conduct Authority. FCA reference number 956050.

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Products offered

Business Loans

Rates and costs

Rate range
1.5% – 5% (per month)
Representative APR
43.2% APR representative
Amount range
£10,000 – £500,000
Approval speed
Within 24 hours

Representative example

Borrow £50,000 over 12 months. Total repayable: £60,000. Cost of credit: £10,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
6+ months
Minimum turnover
£120,000
Credit requirements
Adverse credit accepted. Decisions based primarily on cash flow and bank statement analysis. Personal guarantee required from directors.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options — see rates, terms, and eligibility from multiple providers including Bizcap

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Same-day funding in many cases — one of the fastest UK business lenders
  • Unsecured loans — no assets required as security
  • Adverse credit accepted — suitable for businesses declined elsewhere
  • Flexible repayment terms with no early repayment penalties

Cons

  • Higher rates than bank lending — best for short-term capital needs
  • Minimum £10,000 loan and £120,000 annual turnover required
  • Relatively newer in the UK market compared to established lenders
  • Personal guarantee from directors always required

Is Bizcap right for you?

Best for

Established SMEs needing fast access to working capital or growth finance that have been declined by their bank due to limited collateral or credit history

Not ideal for

Startups, businesses with turnover below £120k, or borrowers primarily focused on securing the lowest possible interest rate

Bizcap alternatives

If Bizcap isn't the right fit, consider these alternatives:

Fleximize iwoca Nucleus Commercial Finance YouLend

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Frequently asked questions about Bizcap

Is Bizcap legit?
Yes, Bizcap is a legitimate and FCA-authorised business lender operating in the UK. Bizcap UK Ltd is authorised and regulated by the Financial Conduct Authority (FCA reference 956050) and registered at Companies House (number 13371853). Originally launched in Australia, Bizcap expanded its UK operations and has built a strong Trustpilot rating of 4.7 with nearly 1,800 verified customer reviews.
What are Bizcap interest rates?
Bizcap charges monthly interest rates ranging from 1.5% to 5% per month, with a representative APR of approximately 43.2%. Actual rates depend on your loan amount, business performance, trading history, and creditworthiness. As a fast unsecured lender serving businesses with varied credit profiles, Bizcap's rates are higher than bank loans but reflect the speed and accessibility of the product.
Can I get a Bizcap loan with bad credit?
Yes — Bizcap explicitly accepts adverse credit applications and is known for lending to businesses that have been declined by traditional banks. Their underwriting focuses on your current bank account activity, revenue, and business health rather than credit score alone. CCJs, defaults, and previous credit issues may be acceptable depending on the overall financial picture.
How much can I borrow from Bizcap?
Bizcap lends between £10,000 and £500,000 on unsecured business loans. Your borrowing limit is determined by your monthly revenue and trading history. Businesses with a minimum annual turnover of around £120,000 and at least 6 months of UK trading are eligible. Repeat borrowers may qualify for higher amounts as the lending relationship develops.
Is Bizcap FCA regulated?
Yes, Bizcap UK Ltd is authorised and regulated by the Financial Conduct Authority under reference number 956050. You can verify this on the FCA Financial Services Register at register.fca.org.uk. FCA regulation means Bizcap must follow responsible lending guidelines and treat customers fairly.
How long does Bizcap take to approve a loan?
Bizcap is one of the fastest business lenders in the UK, typically providing credit decisions within 2 to 4 hours of a complete application. Same-day funding is available for many borrowers — funds can be in your business account within hours of signing your loan agreement. This makes Bizcap suitable for businesses needing urgent access to capital.
Can I repay a Bizcap loan early?
Yes, Bizcap allows early repayment without penalty. If you repay your loan ahead of the agreed schedule, you will only pay interest on the time the loan was outstanding — you will not be charged for the full term. This makes Bizcap a flexible option for businesses that expect to improve cash flow and pay off borrowing early.
Bizcap vs iwoca — which is better?
Both Bizcap and iwoca offer fast, flexible business loans to UK SMEs with a digital application process. iwoca is known for its Flexi-Loan product with a revolving credit facility, making it better for businesses needing ongoing flexible access to funds. Bizcap tends to be more aggressive in approving businesses with adverse credit and can fund slightly faster, making it the preferred option if speed or credit history is the main concern. For a revolving credit line, iwoca may be the stronger choice.

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