Get Business
Bridging Finance
for    

Do you know funds are coming soon but need money while you wait? With Bizcap Bridging Finance, you can plug cash flow gaps at heavily reduced rates.
Loans of £150K to £750k
Save up to 65% on the cost of funds*
Funds in as little as 72 hours
Cash flow-friendly repayments
*compared with a Bizcap Secured Business Loan
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Where Small Business Grow Big

£500M+
in loans funded
4.9/5
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rating
25K+
small business loans

Business Loans
Made Simple

We’re committed to saying “yes” more often. To qualify for a Bizcap Bridging Finance Loan, you’ll need:
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An active Company Number
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To own property
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A clear exit strategy
1.

Application

Applying online takes less than 5 minutes and gives us everything we need to make an initial assessment.
2.

Assessment

Our team of loan specialists will assess your application quickly, without running a credit check.
3.

Funding

If approved, you can have the funds in your account in as little as 72 hours.

United Kingdom's Most Open-Minded Lender

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Get funds and move on

We make the application and approval process simple so you can get on with business.
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Fast and friendly

Get your loan approved within 3 hours and funded within the day, plus a dedicated loan specialist to assist you throughout your journey.
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High approval rates

Bad credit score? Existing loans? No issues. We look at your business on the whole to assess creditworthiness.
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No credit checks

We can make you a conditional offer without running a credit check. That avoids denting your score.
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Flexible repayments

We offer daily and weekly repayment plans to suit your cash flow.

Early payment discounts

While other lenders penalise you for paying off your loan fast, we incentivise it.
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Our Solutions
A smiling woman small business owner working in the construction industry standing next to her supplies.

Getting A Business Loan For Manufacturing Companies

Are you a construction business in need of finance? Look no further. Bizcap offers tailored construction loans that can provide you with the financial resources you need to acquire the machinery and equipment necessary for your operations.

Read More
A broker sitting with their client at a café discussing business loan options.

From Home Loans to Business Loans: How a Broker Boosted Business with Bizcap's Financing Solutions

Asset finance and mortgages used to be the core business of broker Mo Saleh. Now, he leverages Bizcap's fast and flexible SME loans to broaden his offering, which retains clients and grows his customer base.

Read More
A small business worker in a skincare and laser clinic.

A Low Credit Score Didn’t Stop Bizcap From Helping a Retail Clinic To Secure £60,000

How Bizcap’s commitment to saying “yes” more often helped a retail business owner secure funding despite a low credit score and multiple rejections.

Read More
Broker who secures business loans for his clients.

Bizcap’s bold lending: UK broker’s top choice for growing or struggling SMEs

Discover how Bizcap's swift and tailored financing helped a London law firm secure £310,000 to fuel its expansion. Broker Rory Crisp-Jones shares why Bizcap's human touch and unmatched speed make them his go-to lender for clients seeking fast, flexible and personalised lending solutions.

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How a Spud Farmer Made £200,000 With Bizcap’s Help

How a Spud Farmer Made £200,000 With Bizcap’s Help

Planting season was almost over and Nicole, strapped for cash, couldn’t get spuds into the ground. When her bank wouldn’t help, she turned to Bizcap.

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Small business loan for butcher.

‘The Meat Game’s Ruthless’ How Bizcap And a Butcher Survived

John’s shop was bleeding cash as he tried to build up his customer base. With Bizcap’s help, he smoothed out cash flow until the shop was profitable.

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Two bakery-cafe owners who achieved business growth with Bizcap's loans.

How a Bizcap Loan Helped Drive Double-Digit Revenue Increase

The husband and wife owners fast-tracked renovations and purchased new equipment, driving increased sales.

Read More
Fashion wholesaler who overcame financing difficulties through Bizcap.

Boosting Fashion Sales: Bizcap Adds £130K to Loan

Facing an inventory shortfall, a fashion wholesaler secured Bizcap funding and enjoyed a prosperous Christmas sales period.

Read More
A happy plumber after receiving a Bizcap Business loan.

How A Plumber Leveraged a Bizcap Loan to Pay Wages and Costs

“We probably wouldn’t still be around if it wasn't for the loans and help we got from Bizcap,” said the small business owner.

Read More
Builder achieving small business growth via bridging finance.

How Fast Funding Helped a Developer Secure a New Property

A race against time, a call to Bizcap and an £420K loan funded that day. Discover how Bizcap’s unbeatable speed opened doors for a local business owner.

Read More
Business loans for bookshop.

This Book Shop Diversified Its Inventory To Gain New Customers

Briar Simmons turned the page on traditional lenders, growing her business with Bizcap's help.

Read More

Ready To Apply?

Start gaining the benefits of a Bizcap business loan today!
Award-winning loans for small to medium businesses.

Get in Touch

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Monday to Friday: 8:30am to 5.30pm
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Suite 1, 7th Floor 50 Broadway, London, United Kingdom, SW1H 0DB
Support

What is bridging finance?

Small business bridging finance is a short-term funding solution that helps businesses cope with temporary financial gaps. It lets them address immediate needs or opportunities by providing quick access to capital before they receive the expected funds, such as payments from clients, sales or grants. This financial bridge aids in maintaining operations, seizing opportunities, or managing cash flow until more stable, long-term financing is secured.

Bizcap offers Bridging Finance at heavily reduced rates compared with our standard solutions. What’s more, we can do it incredibly fast, funding loans in as little as 72 hours. So whether you’re waiting for payments from clients, settlements on assets or properties, grants or large sales, Bizcap can help keep your business on track in the interim.

How does bridging finance work?

Small business bridging finance operates as a short-term solution. When a business faces temporary cash flow gaps or needs quick capital, it can secure a bridging loan that allows it to cover immediate expenses or seize opportunities while waiting for expected funds, like customer payments or government grants. Once those funds come in, the business repays the bridging loan. It's a flexible and timely financial tool that helps small businesses bridge financial gaps without disrupting operations.

Bizcap offers Bridging Finance of £150,000 to £750,000 for up to 12 weeks, funding loans in as little as 72 hours. We offer these at a heavily reduced rate compared with our standard loans — up to 65% off, depending on the circumstances.

What are the advantages of bridging loans?

Business bridging loans furnish small businesses with strategic advantages. Swift access to funds empowers timely decision-making and capitalizing on opportunities. The short-term nature of bridging loans addresses cash flow needs without long-term commitments, offering flexibility for dynamic demands. Whether navigating opportunities or challenges, these loans ensure operational continuity for small businesses. Bizcap Bridging Finance has the added advantage of offering heavily reduced rates compared to our standard loans, up to 65% off depending on the scenario. Furthermore, they can be funded in as little as 72 hours.

What type of loans does Bizcap offer?

Bizcap specialises in providing fast and flexible business loans to small and medium-sized businesses. Our solutions include Fast Business Loans, Small Business Loans, Secured Business Loans, Bridging Finance and Lines of Credit. Our loan sizes vary from £5,000 to £750,000 and Lines of Credit are available up to £300,000.

Compare Solutions

How much can I borrow from Bizcap?

Bizcap offers business loans of £5,000 to £750,000 and Lines of Credit up to £300,000. To find out more about each of our loans, compare our solutions.

The specific amount of your business loan is influenced by factors like your business's cash flow, operational duration, assets, and loan purpose. We assess these aspects to gauge your business's health and creditworthiness.

Our aim is to offer customized loans that address each business's unique financial needs, minimizing risk for both parties. By thoroughly evaluating factors contributing to your business's financial health, we determine an appropriate loan amount and terms to support sustained growth and success.

How quickly can I get a business loan from Bizcap?

At Bizcap, we pride ourselves on providing fast and flexible business loans. Applications for a Bizcap Fast Business Loans can be approved within 3 hours and funded that day.

Our other solutions can be issued in as little 48 hours. If you need funds sooner, let your Loan Specialist know and they can fast track your application. This quick turnaround ensures our customers get access to the funds they need to meet their obligations and grow in a competitive market.

How do I qualify for a bridging loan?

Generally speaking, to qualify for a small business bridging loan, businesses must demonstrate a viable repayment plan, financial stability and collateral. Lenders assess creditworthiness and require a clear exit strategy. Meeting these criteria, along with transparent financial documentation, enhances eligibility in small business lending.

To qualify for Bizcap Bridging Finance, you’ll need to meet our minimum eligibility criteria of having an active CRN, to be the owner of property and a clear exit strategy.

How long does it take to get a bridging loan approved?

Small business bridging loan approval times vary, usually taking days to weeks. Factors like application complexity and documentation completeness influence the speed. Streamlining the process, promptly submitting required documents, and choosing an efficient lender can expedite small business bridging loan approvals.

Bizcap prides itself on offering fast and flexible small business loans, and our bridging finance is no different. With Bizcap Bridging Finance, you can get funds in as little as 72 hours.

Are there any alternatives to bridging finance?

Alternatives to small business bridging finance include bank loans, lines of credit, business cash advances, crowdfunding, angel investors, venture capital and government grants. Each choice has unique terms, providing flexibility for small businesses to select the financing method that suits their needs. At Bizcap, we offer several alternatives to bridging finance, including Fast Business Loans, Small Business Loans, Secured Business Loans and Lines of Credit.

Compare Solutions

Can I get a bridging loan with bad credit?

Securing a bridging loan with bad credit can be challenging, as lenders typically consider credit history. However, specialised lenders like Bizcap offer options. Bizcap has no minimum credit score requirements and doesn’t run a credit check to make an initial loan offer. Bizcap can also accept businesses with defaults and judgments, as well as those with existing loans and HRMC debt, depending on the scenario.

Will applying for a loan with Bizcap negatively impact my credit score?

Small business owners avoid shopping around for the best loan offer out of an understandable concern that doing so would result in multiple credit checks. Each credit check, or "hard inquiry," can slightly lower your score. What’s more, some lenders view multiple credit inquiries within a short period as a sign of financial instability.

One great thing about Bizcap is that we can make an initial offer without running a credit check, which makes applying for a loan completely risk-free.

Only once you decide to proceed with the loan do we run a hard inquiry to make the offer unconditional. If you’d like to find out how much your business would be eligible for, apply now for an obligation-free offer. no minimum credit score requirements and doesn’t run a credit check to make an initial loan offer. Bizcap can also accept businesses with defaults and judgments, as well as those with existing loans and HRMC debt, depending on the scenario.