Bizcap
Panel post-decline specialist we route to when Funding Circle, iwoca and the high-street alternatives have already declined and the applicant still needs cash quickly. Bizcap takes files our mainstream lenders refuse and prices the risk into the rate. The matcher only sends a file here once the cleaner-cost routes are exhausted, never as first choice.
Quick routing verdict
- Product: Specialist post-decline / fast cash.
- Ticket band: £5k to £500k.
- Decision time: Same day.
- Pricing: Factor 1.20 to 1.50 / per-month equivalent.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Bizcap UK Ltd
- Founded
- 2018
- Product
- Specialist post-decline / fast cash
- Ticket range
- £5k to £500k
- Decision time
- Same day
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-06-12
Why we route here
- Acceptance where everyone else on the panel has said no, which keeps applicants out of dead-end declines.
- Same-day funding when the file is clean post-decline, which matters for HMRC pressure and supplier-pay scenarios.
- Decision transparency on which decline reasons they will actually consider, so the matcher can pre-screen.
- Useful pressure-release valve for the panel when the applicant cannot wait for a Capify or 365 Business Finance retest.
When we route elsewhere
- Top of the rate band on our panel, so we never route here as the first option.
- Effective APR can exceed 100% on short paybacks, which we surface at matcher stage so the applicant is making an informed choice.
- Rate-sensitive applicants are the wrong fit, route them to iwoca, Funding Circle or Allica instead.
- Long-term borrowing needs are a bad fit for the product, route to Allica, OakNorth or Aldermore.
Best fit applicants
- Applicants already declined by mainstream panel lenders who still need cash this week
- CCJ history and recent missed payments where Capify and 365 will not stretch
- Speed prioritised over rate, with the applicant briefed on the cost
Where Bizcap is the wrong fit
- Rate-sensitive applicants, route to iwoca or Funding Circle
- Long-term project finance, route to Allica or OakNorth
- Pre-revenue applicants, route to Start Up Loans Company
If declined by Bizcap
If your application to Bizcap is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Bizcap decline runbook for sector-specific routing detail, and our side-by-side guide to Bizcap alternatives for the closest UK specialty finance providers.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Capify, Merchant cash advance + term loan
Editorial reviews
For independent editorial reviews of Bizcap and the wider UK SMB lending market, see our sister site BestBusinessLoans.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Bizcap and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12. By Oliver Mackman.