What is the difference between Fundtap and Bizcap?

Bizcap offers fast unsecured business loans with high approval rates. Fundtap offers invoice finance — money from your outstanding invoices, not a loan.

Is Bizcap more expensive than Fundtap?

Bizcap charges factor rates that can be significantly higher than Fundtap's flat fee. For invoice-specific timing gaps, Fundtap is typically more cost-effective.

Who is Bizcap right for?

Bizcap is designed for businesses that need fast capital and may not qualify for bank finance. If you have B2B invoices, Fundtap is a lower-cost alternative.

Fundtap vs Bizcap: invoice finance vs business loan

Bizcap offers fast business loans for SMEs that need capital quickly. Fundtap offers invoice finance for businesses with outstanding B2B invoices. Here’s the difference.

⭐⭐⭐⭐⭐ 4.9 stars · 240+ reviews on Google • 54% average revenue growth for Fundtap customers

Feature	Fundtap	Bizcap
What it is	Invoice finance	Unsecured business loan
Cost	One flat fee per invoice	Factor rate (can be high)
Repayment	Auto when customer pays	Fixed daily/weekly instalments
Requires B2B invoices?	Yes	No
Effect on balance sheet	No new debt	Loan liability
Approval speed	Hours	Hours
NZ & Australia	Both	Both

If you have B2B invoices, Fundtap is a lower-cost, simpler solution. Bizcap suits businesses that need general capital quickly and don’t have outstanding invoices to fund against.

Check eligibility — it takes minutes

Competitor information is based on publicly available data and may change. This page is for general information only and is not financial advice. Contact providers directly to confirm current terms.

Back to Compare