Bizcap US champions a more open-minded approach to business funding

MIAMI, Aug. 27, 2026 /PRNewswire/ -- For many business owners, securing capital can come down to numbers that tell only part of their story. Bizcap US is taking a different approach, positioning itself as the world's most open-minded funder by looking beyond a personal credit score to understand the business behind the application.

As a global non-bank business funder, Bizcap was built around a simple idea: viable businesses should have more ways to access capital, particularly when traditional institutions cannot meet their needs.

That means considering a broader picture of business performance and revenue rather than allowing one historical indicator to define the outcome.

"Small businesses in the US are incredibly diverse, and their funding needs rarely fit neatly into a box," said Albert Gahfi, Co-founder and Global Co-CEO of Bizcap.

"A business might be growing quickly, managing seasonal fluctuations or dealing with a temporary cash flow gap. What matters is understanding what is actually happening in that business and finding a funding solution that makes sense for its circumstances."

Looking beyond the score

For many business owners, a personal credit score does not tell the full story of their business.

A business may be profitable, generating strong revenue and performing well, even if its owner has a less-than-perfect personal credit history. Yet traditional funding criteria can sometimes allow an individual's credit score to limit the business' ability to access funding.

Bizcap takes a broader view. Rather than relying heavily on personal credit scores, its approach considers the business itself, including its current revenue, trading performance and overall trajectory.

This means a past personal credit issue does not necessarily have to stand in the way of an otherwise healthy business accessing the funding it needs.

"From the beginning, we wanted to build a company that was willing to look deeper," said Zalman Blachman, Co-founder and Global Co-CEO of Bizcap.

"A number on a page can be part of the picture, but it isn't the whole business. There are owners with strong businesses, real revenue and clear plans for their capital who may not fit the traditional mold. Being open-minded means taking the time to understand that wider context before making a funding decision."

That philosophy has helped drive Bizcap's expansion from its founding in 2019 into a global business operating across Australia, the US, the UK, New Zealand, Singapore, Europe and Canada. The broader Bizcap group has now supported more than 100,000 businesses and provided $5 billion in funding globally.

Bizcap's US presence represents the next stage of its global growth, bringing its international experience and capabilities to American small businesses while maintaining a strong focus on the local market.

"Our growth has always been driven by the same fundamental belief: business owners need funding partners that understand how businesses actually operate," Blachman said.

"As Bizcap has expanded internationally, we've continued to invest in technology, products and people, but that open-minded approach remains central to who we are. Bringing our US business under the Bizcap name is another step in building that vision globally."

When traditional funding doesn't fit

For many small business owners, timing can be just as important as access to capital.

Traditional processes can involve extensive documentation and lengthy timelines that do not always align with the pace of running a business. Bizcap is designed to provide a faster, more flexible alternative, with a streamlined application process, approvals available in as little as three hours and same-day funding possible.

Bizcap US offers business owners a range of funding solutions designed around different needs, including Revenue-Based Financing and Line of Capital, with financing available up to $2 million. Businesses with a minimum monthly revenue of $20,000 can apply online in minutes, receive an approval in as little as three hours and, if eligible, access funding the same day.

"We see American business owners managing everything from inventory purchases and equipment needs to unexpected expenses and periods of rapid growth," Gahfi said.

"They need a funding partner that can understand the situation quickly and respond at the pace their business requires. Our role is to make accessing capital simpler, faster and more flexible, while looking at the individual business rather than forcing every owner through the same narrow set of criteria."

For Bizcap, saying "yes when banks say no" does not mean every business receives funding. It means approaching each application with an open mind and considering the broader circumstances before reaching a decision.

That distinction is central to the company's vision for the US market.

"Open-minded funding is ultimately about giving good businesses a fairer opportunity to be understood," Gahfi said.

"There will always be situations where funding isn't the right fit, but our starting point is to understand how we can help, rather than looking for a reason not to. That's the experience we want more US business owners to have when they come to Bizcap."

Businesses seeking funding can explore their options and apply online at bizcapfunding.com

About Bizcap

Bizcap is a global business funder offering fast, alternative financing solutions to SMBs in Australia, the US, the UK, New Zealand, Singapore, Europe and Canada. Founded in 2019, Bizcap empowers businesses by offering approvals in as little as three hours, with same-day funding available. Bizcap has funded more than 100,000 SMBs, totaling $5 billion globally, while holding a 4.8/5 Trustpilot rating.

For more information, visit bizcapfunding.com 

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SOURCE Bizcap