Lender panel
Bizcap through Lyft Money
Bizcap is an Australian non-bank lender known for taking on small business applications that mainstream funders decline, including files with impaired credit, ATO debt or a short trading history. It advertises decisions in hours and is broker-focused. Facilities are typically short-term and unsecured, with the flexibility reflected in higher pricing and closer attention to cash flow.
Lyft Money is an independent broker. Bizcap is one of 18+ lenders on our panel; we are not Bizcap and do not speak for them. Product details change — your broker confirms current terms before anything is submitted.
| Typical amounts | $5,000 – $500,000 |
|---|---|
| Typical speed | Often same business day |
| Products we place | Unsecured business loan, Low-doc business loan, Business debt consolidation loan |
| Website | bizcap.com.au |
Where Bizcap is strong
- Considers impaired credit, defaults and ATO debt other lenders decline
- Very fast decisions, often within hours
- Broker-led process with a credit team willing to discuss the file
Things to weigh up
- Among the higher-cost options on our panel
- Short terms and frequent repayments require genuine cash flow capacity
- Best used for a defined short-term purpose rather than long-term funding
Bizcap exists for the applications that do not fit anywhere else. A default on file, a tax debt, twelve months trading instead of twenty-four — these are ordinary reasons for a bank or a mainstream fintech to decline, and Bizcap will look at them. That access matters when a business has a real opportunity or a real problem and no time.
It is not a cheap solution and we do not present it as one. We are direct with clients about the cost, and about the fact that short-term high-cost money works when it solves a defined problem with a clear exit — a large invoice landing, a refinance once conduct improves — and hurts when it becomes a permanent feature of the balance sheet.
Key terms
Bizcap business loan through a broker
A short-term unsecured business loan arranged by an accredited broker, available to businesses with credit impairment or tax debt that mainstream lenders decline.