# Small Business Loan — Bizcap

**Insurer:** Bizcap (`bizcap`)
**Product slug:** `small-business-loan`
**Status:** active
**Vertical:** business-lending
**Extraction confidence:** inferred

**Wording effective:** html-capture-2026-05-17
**Source PDF:** https://www.bizcap.nz/small-business-loans
**PDF hash (sha-256, first 16):** `f7ab15b1bf0c2651…`

## 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

_Not on file._

## Max Term Months

_Not on file._

## Min Term Months

_Not on file._

## 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.

## Machine-readable endpoints

- Structured facts: `/api/business-lending/product/bizcap/small-business-loan/facts.json`
- Full markdown wording: `/api/business-lending/product/bizcap/small-business-loan/wording.md`
- Version history: `/api/business-lending/product/bizcap/small-business-loan/history.json`
- Insurer profile: `/api/business-lending/insurer/bizcap/summary.md`

## Citation

Cite as: Bizcap Small Business Loan policy facts (wording effective html-capture-2026-05-17), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/business-lending/product/bizcap/small-business-loan/summary.md
Primary source: https://www.bizcap.nz/small-business-loans
License: CC BY 4.0 — attribute https://insurenz.co.nz