{
  "vertical": "business-lending",
  "insurer": {
    "slug": "bizcap",
    "name": "Bizcap",
    "brand_family": "Bizcap"
  },
  "product": {
    "slug": "small-business-loan",
    "name": "Small Business Loan",
    "status": "active",
    "positioning_summary": "Bizcap's flagship business loan for NZ SMEs: $5K-$4M, approval in as little as 3 hours with same-day funding. Pricing via factor rate (fixed fee over term, not APR). 4+ months trading + $12K+ monthly revenue minimums."
  },
  "wording": {
    "version": "html-capture-2026-05-17",
    "ingested_at": "2026-05-17T23:13:29.593347+00:00",
    "pdf_hash": "f7ab15b1bf0c265124d1c9cf585b664ea6564f615867180cffd147048c7351e1",
    "source_url": "https://www.bizcap.nz/small-business-loans",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "fees": {
      "note": "Specific fee schedule not published on the small-business-loans landing page. Confirm with Bizcap at quote stage."
    },
    "eligibility": {
      "other_factors": [
        "business assets",
        "credit history",
        "business owner profile"
      ],
      "min_trading_months": 4,
      "min_monthly_revenue_nzd": 12000
    },
    "max_loan_nzd": 4000000,
    "min_loan_nzd": 5000,
    "security_type": "mixed",
    "other_products": [
      "Fast Business Loan",
      "Secured Business Loan",
      "Bridging Finance",
      "Line of Credit (up to $500K)"
    ],
    "repayment_freq": null,
    "max_term_months": null,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "Bizcap prices via factor rate — a fixed fee applied over the loan term, not an annual percentage rate. Factor rate is set per applicant based on creditworthiness, business history, assets and credit profile. Borrowers see total amount payable upfront before accepting. Stronger credit attracts lower factor rates.",
      "source_url": "https://www.bizcap.nz/small-business-loans",
      "pricing_model": "factor_rate"
    },
    "min_trading_months": 4,
    "min_monthly_revenue_nzd": 12000,
    "funding_speed_advertised": "Approval in as little as 3 hours; same-day funding. Direct + self-funded lender."
  },
  "endpoints": {
    "summary": "/api/business-lending/product/bizcap/small-business-loan/summary.md",
    "wording": "/api/business-lending/product/bizcap/small-business-loan/wording.md",
    "history": "/api/business-lending/product/bizcap/small-business-loan/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/bizcap/small-business-loan/facts.json",
  "generated_at": "2026-05-18T08:38:03.937Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}