> _Markdown transcription of Bizcap Small Business Loan policy wording, effective html-capture-2026-05-17. Source: https://www.bizcap.nz/small-business-loans_ --- # Bizcap Small Business Loan (NZ) Source: https://www.bizcap.nz/small-business-loans Captured: 2026-05-17T23:13:29.354Z SHA-256: f7ab15b1bf0c265124d1c9cf585b664ea6564f615867180cffd147048c7351e1 ## Headline Small business loans approved in as little as three hours. Direct, self-funded lender — cuts red tape because Bizcap is not on-lending. ## Loan range $5,000 – $4,000,000 across the Bizcap business-loan product set. Lines of Credit available separately up to $500,000. ## Eligibility (minimum) - 4+ months trading - Monthly revenue of at least $12,000 - Bizcap also weighs business assets, credit history, and the business owner's profile ## Speed - Application → approval: as little as 3 hours - Approval → funding: same day ## Pricing Bizcap uses a **factor rate** — a fixed fee applied over the term of the loan — not an annual percentage rate. The factor rate is set based on the applicant's creditworthiness, business history, and risk profile. Borrowers see the total amount payable upfront. Strong-credit borrowers attract lower factor rates. ## Other Bizcap NZ products - Fast Business Loan - Secured Business Loan - Bridging Finance - Line of Credit (up to $500K)