Bizcap US
Bizcap provides fast, flexible business funding for established small and medium-sized businesses in the US, offering Revenue-Based Financing and Line of Capital products with access to up to $2 million. The company uses a proprietary assessment approach that looks beyond traditional credit scores, with applications completed in minutes, approvals in as little as three hours, and same-day funding for eligible businesses. Its LOC Ultra product rewards fast-paying businesses with no setup fee and a factor rate from 1.02 for the first four weeks.
- Financial Technology
Funding
Funding not disclosed
across 1 round
Founders
Founder details are not available yet.
Product
Problem
Small and medium-sized businesses often struggle to access working capital through traditional financing channels, which rely heavily on credit scores and conventional criteria. This creates barriers for established businesses that need fast, flexible funding to manage cash flow, seize growth opportunities, or respond to unexpected expenses.
Solution
Bizcap provides fast, flexible business funding solutions designed around the realities of running a business. The company offers Revenue-Based Financing (RBF) and Line of Capital (LOC) products, including LOC Ultra, which provides access to a revolving facility of up to $2 million. Bizcap uses a proprietary, technology-driven approach to assess business performance, looking beyond traditional financing criteria to understand each customer's operations. Applications can be completed in minutes, approvals may be granted in as little as three hours, and eligible businesses can receive funds the same day, with daily or weekly debits tailored to cash flow.
Target Audience
Primary customers are established small and medium-sized businesses in the United States that need fast, flexible working capital and may not meet traditional financing criteria, including those with existing funding elsewhere.
Features
- Line of Capital (LOC) and LOC Ultra products offering revolving facilities up to $2 million
- Revenue-Based Financing (RBF) tailored to business cash flow
- LOC Ultra features no setup fee and a factor rate from 1.02 for the first four weeks, rewarding fast-paying businesses
- Proprietary business performance assessment that looks beyond a single credit score
- Streamlined application process with approvals in as little as three hours and same-day funding for eligible businesses
- No hard credit check required for application
- Eligibility requirements as low as $20,000 in monthly revenue and at least one year in business