Why Bizcap is in a different league winning adviser trust
A lot can happen in 28 days.
Markets can shift. Businesses can change direction. An idea can go from conversation to reality.
For Bizcap New Zealand, that’s how long it took to turn a piece of adviser feedback into a live lending product. That speed, leadership says, is how Bizcap’s New Zealand arm operates day to day, and one reason the company wants advisers to stop treating non-bank lending as a fallback option.
It’s also, they say, the argument advisers should be weighing up when they decide where non-bank lending sits on the list of options they offer clients.
Bizcap wants New Zealand advisers to see non-bank lending as a genuine option rather than a last resort, and speed, flexibility and local knowledge are how it
Spotlight
Bizcap launched in New Zealand to provide fast, flexible business loans tailored to the unique needs of Kiwi SMEs. With funding from $5,000 to $4 million available in as little as three hours, Bizcap helps businesses seize opportunities and navigate challenges without the red tape, working closely with its partners to deliver real results for their clients. Backed by years of experience and a deep understanding of small business realities, Bizcap is committed to being a reliable, accessible lending partner that supports long-term business growth and success throughout New Zealand.
Company Profile
$5bn+
Funding provided globally since inception
100,000+
Small business loans funded globally
$2–$2.5bn
Funding Bizcap is on track to provide in 2026
7
Global regions
3 hours
Average time for approvals
Bio
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Milestones
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Accolades
Company Profile
“We want to build a business that makes funding more accessible, supports advisers with dependable solutions and helps businesses confidently pursue their next opportunity”
Zalman Blachman, Bizcap
“Businesses and the advisers who support them are increasingly looking past a rigid checklist to funders who assess the whole picture of a business and can move quickly”
Rebecca del Rio, Bizcap
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Published 28 Sep 2026
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Rebecca del Rio
Camilla Tumai
Zalman Blachman
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Bizcap turned adviser feedback into a live lending product in four weeks, a turnaround that underscores how the business operates and why advisers should rethink non-bank lending
IN PARTNERSHIP WITH
Zalman Blachman
Bizcap co-founder and CEO for APAC
19
YEARS IN THE INDUSTRY
Bizcap Executive Team
“Being on the ground in New Zealand means I understand the nuances of our local market and what advisers need from a funding partner”
Camilla Tumai, Bizcap New Zealand
Bizcap
Co-founding Bizcap in 2019 and expanding the business to seven global regions
Career highlight
Melbourne
based in
Rebecca del Rio
Bizcap deputy CEO for APAC and global chief revenue officer
15
YEARS IN THE INDUSTRY
Being promoted to deputy CEO (APAC) in 2025 while continuing role as global chief revenue officer
Career highlight
Melbourne
BASED IN
Camilla Tumai
Bizcap New Zealand general manager
26
YEARS IN THE INDUSTRY
Building and selling multiple adviser businesses before joining Bizcap NZ as general manager in 2024
Career highlight
Auckland
BASED IN
“Being on the ground in New Zealand means I understand the nuances of our local market and what advisers need from a funding partner,” says Tumai. “I spend a lot of time collecting feedback from advisers and feeding it back into the business.”
That experience of sitting on both sides of the adviser relationship, first as a business owner and now as a funding partner, has stayed with her. “That local perspective helps us make better decisions and ensures we’re delivering solutions that genuinely work for New Zealand businesses,” Tumai says.
Zalman Blachman, who co-founded Bizcap and now serves as chief executive officer for APAC, says that local grounding sits alongside a broader ambition. Bizcap has expanded into multiple international markets since it launched, and Blachman says New Zealand remains a priority despite its smaller scale.
plans to prove that. While Bizcap has operations in seven markets around the world, its responsiveness to local conditions in Aotearoa is proof of a culture built to act without getting stuck in process. It is also a reason local advisers should treat non-bank lending done right as far more than just a fallback.
The Line of Credit Ultra product Advisers were telling Bizcap that its existing lending options were expensive and too rigid for the businesses they were trying to fund. Rather than file that feedback away for the next planning cycle, the local team took the idea up the chain, working through the details to approval for a live offering available to New Zealand advisers at the coalface in just under a month.
“The New Zealand market told us it wanted something more affordable and more flexible, and we were able to listen and deliver exactly that, from ideation to deployment in just four weeks,” says Rebecca del Rio, deputy chief executive officer for APAC and global chief revenue officer at Bizcap. Being able to hear what the market actually needs and adapting quickly are among the things she enjoys most about the job, she says.
That pace is central to how Bizcap positions itself among New Zealand advisers, many of whom are still working out where non-bank lending fits alongside the products they already know well.
Backing local knowledge Camilla Tumai spent almost 20 years in the adviser industry, including running her own advisory business, before taking on the general manager role for Bizcap New Zealand. She says being based in the country she serves shapes how the lender operates locally.
Blachman built that culture deliberately from Bizcap’s earliest days, drawing on an approach he describes as instinctively solutions-focused. He says the team he has assembled reflects that same mindset.
“We’ve brought together people who are solutions-focused, comfortable challenging convention and empowered to make decisions and move quickly,” Blachman says. “Maintaining that mindset while the business scales into new markets has been one of the more demanding parts of the job.”
Bizcap’s founding motivation, according to Blachman, came from a gap he saw in SME lending as far back as 2007, long before the company existed. “We wanted to challenge traditional thinking and give businesses another avenue to access capital when they needed it,” he says.
A culture built for pace Del Rio joined Bizcap as one of its earliest employees and has watched the business grow across seven markets, with two more launches planned this year. She credits much of that expansion to a culture that lets ideas move quickly without becoming bogged down in process.
“What I love is that ambition, fun and integrity go hand in hand here rather than pulling against each other,” she says. Bizcap aims high and moves fast, according to del Rio, but she says that pace has not come at the expense of the people the business exists to serve.
Solving for speed and flexibility That founding idea now shows up most clearly in Bizcap’s product design. Blachman points to the company’s Line of Credit product as an example of building around a specific market gap rather than adapting an existing offering.
“We saw a need in the market for businesses to have more flexible access to funding when they needed it and developed a product around that need,” Blachman says. It has since become one of Bizcap’s most widely used products.
Del Rio sees the same principle playing out at a market level. She argues that businesses and their advisers are moving away from rigid, checklist-driven funding criteria in favour of lenders who look at a business’ full circumstances and can act on that assessment quickly.
“Businesses and the advisers who support them are increasingly looking past a rigid checklist to funders who assess the whole picture of a business and can move quickly,” del Rio says.
For Blachman, that shift cannot happen fast enough. He argues that speed and flexibility are not simply conveniences for small businesses, but practical necessities given how those businesses actually operate. “Speed and flexibility aren’t just conveniences for SMEs; in many situations, they’re practical requirements,” he says.
Changing the conversation with advisers Both Tumai and Blachman see adviser education as one of the more significant tasks ahead, and both frame it as an opportunity rather than a hurdle. Tumai says many misconceptions persist about when alternative lending makes sense and who it actually serves.
“There are still misconceptions about alternative lending, who it’s for, when it should be considered and how it can complement traditional lending,” Tumai says. “Bizcap has responded by getting in front of advisers directly and listening to their feedback.”
She wants more New Zealand advisers to feel comfortable raising business lending as an option with clients who own businesses, even if funding is not their core focus. “I’d love to see more advisers in New Zealand become comfortable having conversations about non-bank business lending,” Tumai says.
Balancing growth with focus Del Rio’s double duties as a mother inform her approach to setting priorities and achieving goals – she sees trade-offs as unavoidable, both at home and at work.
“You can have anything you want, just not all at once,” she says. She sees the same discipline reflected in Bizcap’s leadership team, which stays focused on a narrow set of priorities rather than chasing every opportunity that presents itself.
Blachman frames Bizcap’s broader purpose in similar terms, describing growth as a means rather than an end in itself.
“Our ambition has always extended beyond growth for its own sake,” he says. “We want to build a business that makes funding more accessible, supports advisers with dependable solutions and helps businesses confidently pursue their next opportunity. That’s the philosophy that continues to guide Bizcap as we grow globally.”
(Australia, New Zealand, US, UK, Singapore, Europe and Canada)
(with same-day funding possible)
“New Zealand may be a small market, but I believe there is significant opportunity when you keep finding new ways to solve real problems,” Blachman says. Bizcap’s approach going forward will involve staying close to the market and strengthening adviser relationships, he adds.
2019
2021
2024
2025
2026
Bizcap launched in Australia
2019
Bizcap launched in New Zealand
2021
Bizcap launched in the United Kingdom
2024
Bizcap launched in Singapore and Luxembourg, expanded lending into Germany and relaunched in Canada
Bizcap NZ raised lending limit to $4 million and introduced Line of Credit Ultra
2025
Bizcap launched in the United States
2026
Milestones