The PRNewswire announcement came out of Miami on 14 July 2026: the Bizcap US launch is now live, putting a non-bank revolving credit product in front of American small businesses that have struggled to get fast decisions from traditional lenders.
Bizcap was founded in 2019 and has since provided $5 billion in funding to more than 100,000 businesses across Australia, the UK, New Zealand, Singapore, Europe and Canada. The United States is its latest market.
What the Bizcap US Launch Offers American Businesses
The headline product is the Line of Capital (LOC) range, a revolving facility (meaning businesses can draw and repay repeatedly without reapplying each time) of up to $2 million. The entry bar is set deliberately low: businesses need monthly revenue of as little as $20,000 to be eligible, a threshold well below what most bank lenders require.
Within that range sits LOC Ultra, designed for businesses that repay quickly. It carries no setup fee and a factor rate (a fixed funding cost expressed as a multiplier on the amount drawn) from 1.02 for the first four weeks. In plain terms: a business drawing $100,000 would owe $102,000 if repaid within that initial period. For businesses that turn working capital fast, that is a cheaper way to access liquidity than carrying a standard loan for months.
Applications take minutes, approvals come in as little as three hours, and same-day funding is available for eligible businesses.
‘Small businesses are the backbone of every economy, yet too many still struggle to access the funding they need to grow,’ said Albert Gahfi, Global Co-CEO of Bizcap. ‘Bizcap has built a proven funding model that has helped more than 100,000 businesses across multiple international markets access capital quickly and with greater flexibility. We’ve seen that model deliver real results around the world, and we’re confident it will have the same impact for American small businesses.’
A Repeating Playbook Across Expanding Markets
The US entry follows a now-familiar expansion pattern. Bizcap’s November 2024 Singapore announcement named Joseph Lim as Managing Partner for that market, with the operation scheduled to open in Q1 2025. The Singapore website now shows secured business loans from SGD $5,000 to SGD $1,000,000, with Bizcap Singapore advertising its Line of Credit as saving borrowers up to 65% on the cost of funds compared with a standard secured business loan. The US LOC Ultra appears to follow a similar reward-for-speed logic.
Zalman Blachman, Global Co-CEO, framed the consistent demand across markets in direct terms: ‘The challenges facing small businesses are remarkably consistent around the world. Too many small businesses struggle to access funding through traditional channels, despite having ambitious plans for growth. We believe business owners deserve a faster, more flexible alternative that looks beyond a single credit score and helps them access capital when it can make the biggest difference. Line of Capital Ultra reflects what we’ve learned globally: business owners who move fast want to be rewarded for it. It’s become one of our most popular products internationally, and we’re confident US businesses will feel the same.’
Global Banking and Finance Review notes that demand for alternative business finance has grown steadily as SMBs seek faster working capital alongside traditional bank lending, a trend Bizcap is directly targeting with this US entry.
The Trustpilot rating cited in the launch materials is 4.8 out of 5, built across its existing markets. Whether that reputation translates in a US market already crowded with fintech lenders and merchant cash advance providers will be the test. American small businesses have no shortage of non-bank funding options; the differentiator Bizcap is betting on is speed combined with a revolving structure that removes the friction of reapplying each cycle.
US businesses can check eligibility and apply at Bizcap. The next marker to watch is whether Bizcap follows its Singapore model by appointing a dedicated US managing partner and how quickly it discloses volume data from the American book.
