Global non-bank small business funder Bizcap has launched its U.S. operations, anchoring its national headquarters in Miami as part of a major international expansion.
Already established across Australia, the UK, New Zealand, Singapore, Europe, and Canada, the Melbourne-founded fintech aims to provide a faster alternative to traditional financing, helping businesses access funding with streamlined application processes and faster decisions. Bizcap has deployed over $5 billion in capital to more than 100,000 small and medium-sized businesses worldwide. The company says its tech-driven platform can deliver approvals in as little as three hours and same-day capital access.
The new US hub in the Miami area, announced this week, represents a long-term commitment to South Florida, the company says.
Bizcap now operates out of a temporary office in North Miami, but it plans a major relocation this fall. Bizcap has signed a long-term lease for nearly 15,000 square feet at The Well in Bay Harbor Islands. The new headquarters will give the company space to scale its headcount significantly, with capacity for 100 to 150 team members.
“Miami is a city built on entrepreneurship, innovation and international business, making it an ideal launchpad for Bizcap’s U.S. operations,” said Albert Gahfi [pictured above], CEO of Bizcap U.S. and Global Co-CEO, in an email to Refresh Miami. South Florida, he said, “offers an ideal environment to bring faster, more flexible funding solutions to businesses that are often underserved by traditional finance.”
Bizcap’s U.S. launch will likely bring a boost to the local tech and financial services job market. With a current US workforce of 100 employees (60 based in Miami, 40 remote) and 333 globally, the company says it plans to hire locally for all US HQ hires going forward.
Gahfi expects the company’s South Florida footprint to grow by at least 30% over the next 12 months. Bizcap is actively recruiting local tech, underwriting, sales, and operational talent to staff the new Bay Harbor Islands headquarters.
“Small businesses play a vital role in Miami’s economy, creating jobs, serving communities, and driving growth across the city,” Gahfi added. Indeed, in Miami-Dade County alone, roughly 94% of the businesses are small businesses. “We’re excited to operate here and hope Bizcap can make a meaningful contribution by helping more local businesses access the capital they need to grow with confidence.”
To be sure, Bizcap enters the U.S. market at a critical time for small businesses. Most of them face persistent cash flow constraints, rising operational costs, and tightening credit conditions from traditional institutions.
To address these hurdles, Bizcap also announced it is rolling out its flagship Line of Capital (LOC) facility, offering revolving lines of credit up to $2 million. Designed specifically for high-velocity businesses, its LOC Ultra product features zero setup fees and a fixed factor rate starting at 1.02 for the first four weeks, rewarding business owners who repay quickly. Eligibility starts at just $20,000 in monthly revenue, widening access for SMBs overlooked by traditional lenders.
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