The lender has recorded its biggest month yet in New Zealand
Bizcap has hit a new milestone in the New Zealand market, with its recently launched Line of Credit product now accounting for 41% of March deals. The result marks the second consecutive record month for the non-bank lender, highlighting a growing demand for revolving business funding – and a major opportunity for advisers looking to diversify.
Unlike traditional term loans, Bizcap’s Line of Credit gives clients access to up to $500,000 without needing to reapply each time they draw down. It’s a model that’s proving useful for advisers who are helping clients navigate uneven cash flow, project-based work, and short-term funding gaps.
According to chief operating officer Adam Szental, the market response has validated the lender’s decision to go all-in on a more flexible product offering. He says the appetite from both clients and advisers speaks to a broader shift in how small businesses want to manage capital.
“And with major tech upgrades being launched - like our new Partner Portal – we’re making the experience even more seamless for advisers and their clients,” Szental said.
After launching the Line of Credit in December 2024 with a $300,000 cap, Bizcap increased the limit to $500,000 within months. Camilla Tumai, General Manager for New Zealand, says the changes are all grounded in what she’s hearing directly from the adviser network, and demand among clients has been high.
“We’re seeing strong demand across several industries, with the highest uptake from trades, construction, retail, and logistics – sectors that often face fluctuating cash flow and need flexible access to capital,” Tumai told NZ Adviser.
“There’s also growing interest from professional services and seasonal businesses who value the ability to manage short-term needs without reapplying each time.”
How advisers can start the SME lending conversation
For many advisers, small business finance might not be a service they’ve actively promoted, but Tumai said the need is often sitting right there in their existing client base.
“Start by having the conversation,” she said. “Many advisers in New Zealand already have clients with business lending needs; they just haven’t asked the right questions.You don’t need to be an expert. Bizcap supports our partners with simple processes, local support, and flexible funding options.
“Ask your clients how they’re managing cash flow, covering overheads, or funding growth. From there, we’ll help you find the right solution.”
Tumai also pointed to the income potential. Bizcap offers both upfront and trailing commissions, allowing brokers to build an additional revenue stream without adding any complexity.
Training and product education have been another focus. Bizcap’s webinars walk advisers through each product in the portfolio, from bridging and term loans to Line of Credit and Bizcap Prime, while showing where each solution fits. The sessions are designed to be practical, helping brokers feel confident when referring or advising clients.
“We cover the referral process, ways to maximise earning potential, and how to build trust through transparency, speed, and service,” Tumai said. “Most importantly, we help advisers see how simple it can be to diversify their offering – opening up more opportunities to add value, deepen engagement, and support clients in new ways.”
The next training session is scheduled for 2 May.
