Lender review · Specialist post-decline / fast cash
Bizcap
- Reviewed April 2026
- Editor Oliver Mackman
- Methodology Public
Specialist post-decline lender. Where Funding Circle and iwoca decline, Bizcap often approves. Speed and acceptance come at the highest end of the rate range. Use when other doors close.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 26 April 2026
At a glance
- Product
- Specialist post-decline / fast cash
- Ticket size
- £5k to £500k
- Typical rate
- Factor 1.20 to 1.50 / per-month equivalent
- Decision time
- Same day
- Soft search at quote
- Yes
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
Scores against our methodology
- Rate transparency2/5
- Eligibility clarity4/5
- Decision speed5/5
- Decline handling5/5
How Bizcap works
Bizcap operates as a specialist post-decline / fast cash provider in the UK SMB market. Specialist post-decline lender. Where Funding Circle and iwoca decline, Bizcap often approves. Speed and acceptance come at the highest end of the rate range. Use when other doors close.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £5k to £500k band, decisions land within Same day, and the published rate range is Factor 1.20 to 1.50 / per-month equivalent. Soft search at quote means no impact on your credit file at the eligibility stage. Bizcap is FCA regulated.
Where Bizcap fits best: recently declined applicants, ccj history, speed prioritised over rate. Where it does not fit: rate-sensitive borrowers, long-term borrowing needs.
Pricing examples
Worked examples using Bizcap's published rate range (Factor 1.20 to 1.50 / per-month equivalent). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Bizcap quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Rate-sensitive borrowers; Long-term borrowing needs.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Recently declined applicants; CCJ history; Speed prioritised over rate.
Pros
- + Post-decline acceptance where others decline.
- + Same-day funding.
- + Decision transparency on decline reasons accepted.
Cons
- − Highest factor-rate range.
- − Effective APR can exceed 100% on short paybacks.
- − Reputation primarily as a lender of last resort.
Best for
- · Recently declined applicants
- · CCJ history
- · Speed prioritised over rate
Weak at
- · Rate-sensitive borrowers
- · Long-term borrowing needs
When to use Bizcap
Use Bizcap when
Your application matches the best-fit profile: recently declined applicants, ccj history, speed prioritised over rate. The published ticket range (£5k to £500k) covers your ask, the decision speed (Same day) fits your cash-gap timeline, and the rate range (Factor 1.20 to 1.50 / per-month equivalent) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Bizcap when
Your profile sits in the weak-at list: rate-sensitive borrowers, long-term borrowing needs. Bizcap will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Bizcap as a screen.
FAQs
What is the minimum trading time for Bizcap?
Bizcap typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Bizcap require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Bizcap is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For specialist post-decline / fast cash specifically, expect a PG to be requested.
How fast does Bizcap fund?
Bizcap quotes Same day for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Bizcap?
Bizcap's published range is Factor 1.20 to 1.50 / per-month equivalent. The headline number is rarely the offered number. Rate transparency on this lender scores 2/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Bizcap declines me?
If Bizcap declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Bizcap scores 5/5 on decline handling in our methodology.
Where to apply
Apply directly via bizcap.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Bizcap.
Specialty alternatives
See all lender reviews for alternatives.
Bizcap compared head-to-head
Side-by-side breakdowns of rate, ticket band, decision speed, eligibility and best-fit for UK SMEs.
Reviewed by Oliver Mackman, Director. Last reviewed: 26 April 2026. Lender website: bizcap.co.uk.