Bizcap Launches LOC Ultra: Flexible £500,000 Line of Credit for UK SMEs

Bizcap has launched Line of Credit (LOC) Ultra in the UK, offering small and medium-sized enterprises (SMEs) flexible access to up to £500,000 in working capital. This development provides fintech professionals and brokers with a versatile alternative to traditional term loans, allowing businesses to draw funds only as needed to manage fluctuating cash flow requirements.

What was announced

The new Line of Credit (LOC) Ultra facility is designed to provide UK SMEs with greater control over their liquidity. With facility limits reaching £500,000 and repayment terms extending up to 12 months, the product allows businesses to access capital on an as-needed basis rather than receiving a full lump sum upfront. This structure ensures that interest is only charged on the specific amount drawn, rather than the total approved limit of the facility.

To incentivise the facility, Bizcap is offering introductory rates starting at 0% for the first four weeks of each drawdown. The product is positioned as a solution for businesses facing fluctuating funding requirements, such as those managing seasonal demand, covering unexpected expenses, or funding immediate growth opportunities. For finance brokers and advisers, LOC Ultra serves as a strategic tool for clients who require regular but intermittent access to working capital, particularly those who frequently draw down and pay down their facilities.

Significantly, the facility offers an alternative to traditional invoice or debtor finance. While invoice finance typically ties capital access to specific outstanding invoices, Line of Credit Ultra provides a standalone credit line that eligible businesses can tap into whenever working capital is required. This removes the administrative burden of linking funding to individual sales, offering a more streamlined approach to debt management for small businesses whose funding needs can change quickly.

"The positioning of Line of Credit Ultra is particularly exciting because it gives businesses greater control over their working capital. Businesses don't always know exactly when they'll need additional funding or how much they'll need to draw. Having a facility they can access when required gives SMEs the flexibility to manage seasonal demand, cover short-term cash flow gaps or fund new opportunities."

Sasha Berg, Managing Partner at Bizcap UK.

The companies involved

Bizcap is a specialist provider of business funding, operating both in the United Kingdom and internationally. The company has built its market position by focusing on speed and flexibility, catering specifically to the small and medium-sized enterprise sector which often finds traditional bank lending inaccessible or too slow for modern operational needs. Bizcap provides fast and flexible business funding across its active regions, positioning itself as a more agile alternative to legacy financial institutions.

The firm’s approach to credit assessment is a core part of its value proposition. Rather than relying solely on rigid, automated credit models that may penalise businesses for short-term fluctuations, Bizcap employs a more holistic evaluation process. According to Rhys Cunnah, Chief Commercial Officer at Bizcap UK, the company considers the broader context and specific circumstances of each business applicant rather than taking a one-size-fits-all approach. This methodology is designed to support a wider range of funding needs that might be overlooked by high-street lenders. Led in the UK by Managing Partner Sasha Berg, the company continues to develop its product suite to address the specific pain points of the SME market.

What FF News has reported before

FF News has previously tracked Bizcap’s international expansion and product development. The company recently made significant moves in North America, as detailed in the report Bizcap Enters US Market with Fast SMB Funding and Innovative Line of Capital Ultra. That expansion highlighted the firm's strategy of exporting its "Ultra" product line to major global markets, following its established presence in other territories. The launch of the UK version of the Line of Credit Ultra follows this pattern of introducing high-limit, flexible credit facilities to mature SME lending markets where businesses are increasingly seeking alternatives to traditional banking products.

What this means

The launch of LOC Ultra signals a continuing shift in the SME lending landscape toward "on-demand" capital. As businesses face increasingly volatile economic conditions, the rigid nature of traditional term loans becomes a liability rather than an asset. By offering a product that competes directly with invoice finance without the associated administrative friction, Bizcap is putting pressure on traditional factoring firms to modernise their offerings. The industry is clearly moving toward a model where the speed of access and the granularity of drawdowns are the primary competitive advantages. The open question for the sector remains whether high-street banks can adapt their legacy credit models to match this level of flexibility or if they will continue to lose ground to specialist non-bank lenders.