Bizcap UK review
Bizcap UK is a fast short-term lender, not a cash advance: it lends £5,000 to £1m over 3 to 12 months and takes repayment by daily or weekly direct debit. It needs £12,000 of monthly revenue and publishes neither its factor rates nor its establishment fee, so a small card-taking business will usually do better with a card-linked advance.
Terms from bizcap.co.uk and Companies House, checked 1 November 2026. No rating, and we have not repeated the unsourced rating on Bizcap's homepage.
| Products | Fast business loans, small business loans, secured loans, bridging finance and lines of credit |
|---|---|
| Amounts | Loans of £5,000 to £1,000,000; lines of credit up to £500,000 |
| Pricing | A factor rate: a fixed fee applied over the term |
| Factor rates | Not published |
| Establishment fee | An establishment fee, agreed upfront; level not published |
| Repayment | Daily or weekly direct debits from your bank account, excluding weekends and holidays |
| Eligibility (loans) | At least 4 months trading, £12,000 monthly revenue and an active company registration |
| Speed | Fast and small loans approved within 3 hours and funded the same day |
| Credit check | Conditional offer without a credit check; a hard check runs before the offer becomes unconditional |
| Early repayment | No early settlement fee; discounts possible for settling early |
| Personal guarantee | Directors may be asked for personal guarantees |
| Security | Loans above £30,000 carry a charge over the assets of the borrower and guarantors |
Bizcap UK loans and terms
| Product | Amount and term (Bizcap) |
|---|---|
| Fast business loan | £5k to £150k over 3 to 12 months, funded same day |
| Small business loan | £5k to £500k over 3 to 12 months, funded in 48 hours |
| Secured business loan | £30k to £1m over 3 to 12 months; 5 months trading |
| Bridging finance | £150k to £1m for up to 12 weeks |
| Line of credit | £5k to £500k; 9 months trading and £20,000 monthly revenue |
Two things stand out in the small print. Above £30,000 Bizcap takes a charge over the assets of the business and its guarantors, and directors may be asked for personal guarantees at any size. On the plus side, it charges nothing to settle early and says it can discount the balance if you do.
Worked example: a £20,000 loan over 6 months
- Weekday debits over 6 months: about 130
- Capital alone: £20,000 ÷ 130 = £153.85 a day
- Each 0.1 of factor rate adds £2,000 in total, or £15.38 a day
- Plus the establishment fee: not published
- At the £12,000 minimum revenue, capital alone is £3,333 a month, 28% of revenue
That last line is the real test. A fixed debit taking more than a quarter of revenue every weekday leaves no room for a slow month, which is exactly when a card-linked advance would collect less. Before signing, ask Bizcap for the total repayable in pounds and the daily debit, and check that debit against your quietest month's takings.
Our verdict on Bizcap
Bizcap is built for speed: fast and small loans approved within 3 hours and funded the same day. That is worth paying for when a supplier deal or a tax bill will not wait. It is a poor fit for smaller card-taking businesses: the £5,000 a month shop we use in our examples is well under the £12,000 revenue minimum and would not qualify at all. For that shop, a merchant cash advance from its card provider, or the advances Square, PayPal and SumUp offer, is the realistic route.
Compare Bizcap with other short-term lenders in our MCA providers comparison and working capital loans guide, and read cash advance vs bank loan if you are weighing fixed debits against a share of takings.
Compare a Bizcap offer with card-linked funding
Tell us the loan and total repayable you have been quoted, or your monthly card takings, and we will come back with alternatives in pounds.
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Bizcap questions
Is Bizcap a merchant cash advance?
No. Bizcap UK sells short-term business loans and lines of credit, repaid by daily or weekly direct debits from your bank account, excluding weekends and holidays. A merchant cash advance takes a share of card takings instead, so repayments fall in a quiet week; Bizcap's fixed debits do not.
What are Bizcap’s eligibility criteria?
For its fast and small business loans: at least 4 months trading, £12,000 monthly revenue and an active company registration. Its startup FAQ says five months' trading instead, so expect four to five. Lines of credit need 9 months trading and £20,000 monthly revenue.
What factor rate does Bizcap charge?
Bizcap does not publish its factor rates or its establishment fee. It says price is set by a factor rate, a fixed fee applied over the term, plus an establishment fee agreed upfront. Ask for both in pounds and add them together for the true cost.
Does Bizcap do a credit check?
Conditional offer without a credit check; a hard check runs before the offer becomes unconditional. So asking for a conditional offer leaves no hard search; the hard check comes before the offer is confirmed.
Is Bizcap regulated?
Bizcap's site says it is registered with the FCA for anti-money-laundering purposes only (reference 994366, per its site footer). That is not regulation of its loans, so do not assume FCA protections or Financial Ombudsman cover.
Where is Bizcap from?
Founded in Australia in 2019, since expanded to New Zealand and the UK. The UK company is Bizcap Limited, company number 14591050, incorporated 13 January 2023 as Finbiz Funding Limited, 50 Broadway, London SW1H 0DB, per Companies House.
Sources
Every figure on this page comes from the provider's own website or terms, or a named primary source, read on 1 November 2026. Where a provider does not publish a term we say "Not published" rather than fill the gap from a comparison site.