Credit lines take the lead
IN Partnership with
Flexible, fast and fit for modern business – lines of credit are becoming the go-to choice for SMEs seeking flexible funding
More
As New Zealand’s small and medium-sized enterprises prepare for the busy end-of-year trading season, a quiet revolution is taking place in how they fund their operations. Instead of relying solely on traditional small business loans, a growing number are opting for lines of credit – flexible funding solutions that allow them to access capital on demand.
It’s a shift that reflects the broader evolution of the business finance landscape, where agility and adaptability are now central to managing cash flow and supporting sustainable growth.
The need for flexible working capital For years, small business finance followed a predictable pattern: apply for a set loan amount, receive a lump sum, and begin repayments immediately. But in today’s economy, that model often fails to match the reality of fluctuating cash flow and short-term funding needs.
Bizcap is a global non-bank business lender offering fast, flexible funding to small and medium-sized enterprises in Australia, New Zealand, Singapore, the US, Canada, the UK and Europe. Founded in 2019, Bizcap empowers SMEs by offering approvals in as little as three hours, with same-day funding available. Bizcap has funded more than 66,000 SMEs, totalling more $3 billion globally, while holding a 4.8/5 Trustpilot rating. For more information, visit bizcap.nz.
Find out more
“Businesses want finance that moves at their pace. A line of credit gives them breathing room and control”
Camilla Tumai,
Bizcap New Zealand
As SMEs grapple with cost pressures, supply chain challenges and seasonal swings in demand, the need for flexible access to working capital has never been greater.
“Businesses want finance that moves at their pace. A line of credit gives them breathing room and control. They can draw funds when needed, pay it back, and redraw without starting an application from scratch,” says Camilla Tumai, general manager at Bizcap New Zealand.
Across the retail, hospitality, construction and services sectors, advisers are seeing growing demand for products that prioritise speed, flexibility and ease of access over long-term fixed structures. It’s a clear sign that SME funding habits are shifting.
Share
Published 24 Nov 2025
Share
US
CA
AU
NZ
UK
Resources
TV
News
Specialty
Best in Mortgage
Mortgage Industry
Companies
People
Newsletter
About us
Authors
Privacy Policy
Conditions of Use
Terms & Conditions
Contact Us
Sitemap
RSS
Copyright © 1996-2025 KM Business Information NZ
News
MORTGAGE INDUSTRY
BEST IN MORTGAGE
SPECIALTY
TV
Resources
US
CA
AU
NZ
UK
Copyright © 1996-2025 KM Business Information NZ
Companies
People
Newsletter
About us
Authors
Privacy Policy
Conditions of Use
Terms & Conditions
Contact Us
Sitemap
RSS
News
MORTGAGE INDUSTRY
BEST IN MORTGAGE
SPECIALTY
TV
Resources
US
CA
AU
NZ
UK
Copyright © 1996-2025 KM Business Information NZ
Companies
People
Newsletter
About us
Authors
Privacy Policy
Conditions of Use
Terms & Conditions
Contact Us
Sitemap
RSS
“LOC Ultra is a game changer because it allows us to step into a part of the non-bank lending market that’s traditionally been dominated by debtor and invoice finance”
Camilla Tumai,
Bizcap New Zealand
Funding that moves at the speed of business Unlike a traditional business loan, where a fixed amount is advanced and interest accrues from day one, a line of credit offers a revolving facility. Businesses draw funds as needed, repay as cash flow allows, and only pay for the amount used.
This model is ideal for businesses that need to balance seasonal highs and lows, cover unexpected costs, or grab growth opportunities without disrupting day-to-day operations.
For advisers, this shift also opens the door to new opportunities.
Instead of structuring one-off lending arrangements, they can help clients build ongoing financial resilience.
Non-bank lenders like Bizcap have been central to this trend. Its Line of Credit gives businesses access to up to $500,000 in revolving funds with fast approvals and transparent pricing, appealing to SMEs that value control and speed.
’Tis the season for smart cash flow With the holiday season approaching, this trend becomes even more relevant.
For many SMEs, December and January are make-or-break months. Retailers must stock up ahead of the Christmas rush, hospitality businesses need to fund additional staff and manage penalty rates, and trades or service providers often face cash flow gaps due to industry shutdowns.
Traditionally, business owners would apply for a short-term loan to cover these peaks. But as more advisers steer clients towards revolving credit facilities, SMEs are discovering the advantages of having pre-approved capital on standby that’s ready to draw at the exact moment it’s needed.
A hospitality operator, for example, might use a line of credit to bring on extra staff in December, repay the balance after peak trading and then draw down again in quieter months for maintenance or marketing. It’s the kind of financial agility that helps businesses stay ahead of seasonal swings rather than reacting to them.
From Line of Credit to Line of Credit Ultra Recognising how quickly business funding needs can evolve, Bizcap has expanded its offering to meet growing demand. Following the strong uptake of its original Line of Credit, the company launched Line of Credit (LOC) Ultra, designed for cash flow-heavy SMEs looking to draw and repay quickly.
The rise of always-on capital The growing adoption of line of credit products signals a shift in New Zealand’s SME lending market. Rather than seeing borrowing as a one-off event, businesses are beginning to treat it as a continuous support mechanism that adapts to their operations.
Globally, this approach has become mainstream in markets like the UK and the US. Now, Kiwi businesses are following suit, helped by non-bank lenders that use technology to deliver faster, more flexible credit access.
For advisers, the message is clear: flexibility is the future. Lines of credit allow them to strengthen relationships and deliver financial strategies that reflect real-world conditions, not rigid repayment calendars.
Line of Credit Ultra offers up to $500,000, with repayment rates from 8% for the first month, making it a more competitively priced alternative to invoice or debtor finance.
“LOC Ultra is a game changer because it allows us to step into a part of the non-bank lending market that’s traditionally been dominated by debtor and invoice finance. Early feedback from our partners has been fantastic – we’re seeing strong client uptake and far fewer headaches in setting up these facilities,” Tumai says.
As a non-bank lender, Bizcap provides the speed and accessibility that traditional banks often can’t match, with
approvals often completed in a few hours. This responsiveness has made the company a trusted partner for advisers helping clients manage cash flow with confidence.
Financial flexibility as a competitive edge As the holiday season ramps up, cash flow management will define which SMEs thrive and which struggle.
Those with on-demand funding will be better positioned to hire staff, buy inventory and sustain operations through the busy summer period. For advisers, helping clients secure these facilities in advance isn’t just good service; it’s a strategic advantage.
With products like Bizcap’s Line of Credit and Line of Credit Ultra, that advantage is now within easier reach. The combination of flexible drawdown, quick approval and scalable limits means SMEs can focus on running their businesses rather than worrying about cash flow.
In a business environment where adaptability is everything, it’s not about borrowing more, it’s about borrowing smarter.
Source: Bizcap 'Get a Business Line of Credit'
Get a Business Line of Credit for equipment, wages, cash flow, inventory, renovation, capital
Say goodbye to cash flow worries and hello to a world of opportunity. With Bizcap’s Business Line of Credit, you’ll have funds at your fingertips whenever you need them.
Access up to $500k
Only pay for what you use
Tap into funds as needed
Flexible repayment terms
Source: Bizcap 'Line of Credit Ultra'
Line of Credit Ultra
Get ultra-flexible capital, right when your business needs it. Ultra is built for cash flow-heavy SMEs that draw down and repay loans often. Ideal for short-term projects, topping up working capital or unlocking funds tied up in invoices.
Access up to $500k
Repayments from 8% for the first month
Only pay for what you use
Tap into funds as needed
The rise of always-on capital The growing adoption of line of credit products signals a shift in New Zealand’s SME lending market. Rather than seeing borrowing as a one-off event, businesses are beginning to treat it as a continuous support mechanism that adapts to their operations.
Globally, this approach has become mainstream in markets like the UK and the US. Now, Kiwi businesses are following suit, helped by non-bank lenders that use technology to deliver faster, more flexible credit access.
For advisers, the message is clear: flexibility is the future. Lines of credit allow them to strengthen relationships and deliver financial strategies that reflect real-world conditions, not rigid repayment calendars.