January 28, 2026

Lender Products

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BizCap Unsecured Working Capital Loans

Get fast, unsecured BizCap loans from £5,000-£2m with 24-hour approval. Find out rates, eligibility, fees, and if BizCap fits your business. Explore your options!

Abdus-Samad Charles

Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

If you’re researching BizCap unsecured working capital loans, you’re usually trying to plug a short-term cash flow gap quickly, fund stock, or grab an opportunity without tying up assets as security. BizCap markets fast decisions, flexible daily or weekly repayments, and the ability to make an initial offer without an up-front credit check.

Verdict: BizCap can be a good fit if you need quick, short-term working capital and can comfortably handle daily or weekly repayments, but it’s not ideal if you want long terms or low-cost, bank-style pricing.

Pros: Fast online application; flexible daily or weekly repayments; short terms that match trading cycles; initial offer can be made without an up-front credit check.

Cons: Short terms can mean higher repayment pressure; pricing is personalised and can be higher than secured/long-term lending; may involve director commitments depending on the deal.

Best for: Established UK SMEs that need unsecured working capital for stock, payroll, supplier payments, or bridging customer payment delays.

Below, we’ll walk through how BizCap’s unsecured working capital lending works, what it can cost in practice, who it suits, and how to compare it against other UK options before you sign.

Want a lender-specific overview too? See our Bizcap Reviews page.

Product snapshot: BizCap Unsecured Working Capital Loans at a glance

Feature	What to expect
Product type	Unsecured working capital loan (short-term business loan, typically used for cash flow, stock, suppliers, or growth).
Loan amount	BizCap promotes UK loan sizes starting from £5,000 and up to £1,000,000 (your offer depends on affordability and underwriting).
Term length	Typically 3 to 12 months for unsecured business loans.
Rates / cost range	Pricing is personalised. You may be quoted a fixed interest rate or fee and a repayment schedule; ask for the equivalent APR and total cost of credit so you can compare properly.
Repayment style	Daily or weekly direct debits from your business bank account (excluding weekends and holidays).
Security	Unsecured (no specific asset required as collateral). Director commitments (for example, a personal guarantee) may apply depending on the deal and amount.
Minimum trading / turnover	BizCap indicates baseline eligibility can include: active Company Registration Number (CRN), at least 4 months of trading, and minimum monthly revenue of £12,000.
Decision & funding speed	BizCap promotes approvals in as little as 3 hours for certain products and fast funding after acceptance and verification.

BizCap positions its unsecured business loans as fast working-capital finance with short terms and frequent repayments. On its UK site, BizCap highlights daily or weekly direct debits (excluding weekends and holidays), terms typically ranging from 3 to 12 months, and fast approval timeframes depending on your profile and documents. You can view BizCap’s unsecured loans page here: Unsecured Business Loans.

How BizCap’s Unsecured Working Capital Loan actually works in practice

It’s built for short-term trading needs. BizCap’s unsecured working capital loans are typically used when you need funds quickly for stock, supplier bills, payroll, marketing, urgent repairs, or bridging a cash flow gap caused by slow-paying customers.

Application is designed to be quick. BizCap positions its process as a fast online journey where you can receive an initial offer without an up-front credit check, then proceed to verification and any required credit checks only if you want to take the offer forward. The main UK application page is here: Apply.

Underwriting focuses on real-world trading performance. Expect BizCap to look at business bank statements, revenue consistency, time trading, sector risk and affordability. If your cash flow is lumpy or seasonal, the repayment schedule matters as much as the headline rate.

Repayments are frequent. BizCap describes repayments as daily or weekly direct debits taken from your business bank account (excluding weekends and holidays). That can suit businesses with steady daily takings, but it can feel intense if your revenue comes in spikes.

Illustrative repayment example: If a business borrowed £50,000 over 12 months at 30% APR with fixed repayments, the repayment is around £4,874 per month. Spread across roughly 260 business days, that’s about £225 per business day. Your real BizCap offer could be structured differently, but the point is to model repayment frequency against your cash flow before committing.

Rates, fees and what this Unsecured Working Capital Loan really costs

BizCap does not publish one single APR that applies to every borrower, so you should treat any headline numbers you see elsewhere as context only. The key is to compare like-for-like using the total repayable and the equivalent APR, then sanity-check whether the daily/weekly schedule is comfortable.

Interest / pricing: Personalised to your business and risk profile. Short-term unsecured lending can be more expensive than longer-term, secured finance because the lender is taking more risk and giving you speed.
Fees: Some working capital lenders charge arrangement/origination fees, which may be deducted from the amount you receive. Ask BizCap to confirm any fees and whether they are financed or paid up-front.
Early repayment: BizCap promotes early payment discounts in some contexts, which can reduce the total cost if you settle before the end of the term. Confirm how this works in your agreement.

If the quote looks expensive, it may still be the right choice if it prevents a stock-out, protects supplier relationships, or helps you take on profitable work. But always compare the cost against alternatives that might be cheaper (even if slightly slower).

Eligibility, who BizCap is a good fit for

BizCap is usually a better fit for trading businesses that can evidence turnover and can afford frequent repayments.

Minimum baseline: BizCap references an active CRN, at least 4 months trading, and minimum monthly revenue of £12,000.
Business profile: Limited companies and established sole traders can fit, but underwriting is based on bank activity, affordability and risk.
Credit profile: BizCap markets an initial offer without an up-front credit check, but credit checks can be part of the process if you proceed. An imperfect credit score does not automatically rule you out, but it can affect pricing and terms.
Use of funds: Working capital purposes (stock, suppliers, bridging, payroll) are the most natural fit.

If you need a multi-year term, want the lowest possible APR, or your cash flow is highly seasonal, you may be better served by a different product type.

Pros, cons and when BizCap is a good idea

BizCap’s proposition is speed plus flexibility in repayment frequency. The trade-off is usually term length and overall cost.

Pros

Fast process: Built for quick decisions and funding once approved.
Flexible repayments: Daily or weekly direct debits can be easier to manage than one larger monthly payment for steady-cash-flow businesses.
No asset security required: Useful if you don’t want to tie up business assets as collateral.

Cons

Repayment pressure: Daily or weekly collections can strain cash flow if income is seasonal or uneven.
Short-term finance can cost more: Unsecured working capital is often priced higher than secured or longer-term lending.
Director commitments may apply: Even if a loan is unsecured, some deals require a personal guarantee depending on risk and amount.

Best for

A retailer that needs to fund stock ahead of a peak trading window and can repay steadily as sales land.
A services business that wants to smooth payroll and supplier payments while waiting for customer invoices to clear.
A growing SME that needs a quick injection of working capital to take on a profitable order or contract.

Real world examples of how SMEs use this Unsecured Working Capital Loan

Example 1: Stock and supplier deposits. A fast-growing e-commerce brand needs £40,000 to secure stock at a better unit price. The business uses a short-term working capital loan, then repays daily as online sales settle.

Example 2: Bridging invoice delays. A B2B company has 45-day payment terms but needs to pay wages weekly. Working capital funding bridges the gap so the business can stay on top of payroll without missing supplier payments.

Example 3: Urgent equipment repair. A small manufacturer faces downtime due to a broken machine. A fast unsecured loan covers the repair quickly, and repayments are structured weekly to match predictable order revenue.

How Funding Agent can help you compare BizCap against other lenders

BizCap may be the right answer, but you should still compare the offer against other lenders and product structures. Small differences in repayment frequency, fees, and early settlement rules can add up quickly over a short term.

If you want to see how BizCap stacks up, compare business finance options with Funding Agent before you sign.

We’ll help you compare total repayable, term length, repayment style, and security requirements so you choose a facility that fits how your business actually gets paid.

Alternatives to BizCap’s Unsecured Working Capital Loan

Unsecured working capital is only one way to fund cash flow. Depending on what you need the money for, one of these routes may be a better match for cost, flexibility or repayment comfort.

Working Capital Loans if you want funding designed specifically around short-term cash flow needs.
Business Line Of Credit if you prefer revolving access you can draw down and repay repeatedly.
Unsecured Business Loans if you want to compare other unsecured lenders and term structures.
Invoice Financing if your cash flow gap is driven by slow-paying customers and you’d rather fund invoices than borrow a lump sum.
Asset Finance if you’re buying equipment or vehicles and want security-backed pricing and longer terms.
Business Loans if you want a broader comparison including longer terms and different repayment patterns.

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