Founded in 2019, the global non-bank lender has already deployed $5 billion to more than 100,000 businesses across seven countries. Co-founders Albert Gahfi and Zalman Blachman argue that personal financial history is often an unreliable proxy for a business’s health. Instead, their model focuses on current trading performance, allowing them to approve financing for companies that might otherwise be rejected by institutional lenders.
Bizcap US Challenges Traditional Lending by Bypassing Credit Scores
Most business lenders rely on personal credit scores to measure risk, but Bizcap is betting that a company’s actual revenue and growth trajectory tell a more accurate story. By ignoring the traditional gatekeepers of capital, the firm aims to capture a segment of the US market underserved by conventional banks.
Speed remains a primary competitive advantage for the firm. Bizcap offers approvals in as little as three hours and provides same-day funding for eligible applicants. With financing options up to $2 million, the company targets businesses generating at least $20,000 in monthly revenue. According to Gahfi, the goal is to provide a flexible alternative for owners facing seasonal cash flow gaps or those needing rapid capital for equipment and inventory, without forcing them through the rigid, time-consuming criteria of traditional banking.
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