Updated September 30, 2026 · BorrowCue Editorial Team
5in5 vs Bizcap
5in5 vs Bizcap: the differences
| Compare |  5in5 |  Bizcap |
|---|---|---|
| Loan amount | €5,000 | up to $2,000,000 |
| Term | 0.5 to 24 monthsHigher | 5 to 12 months |
| Arrangement fee | One-off fee deducted from payout | underwriting fee disclosed upfront |
| Funding time | Same day up to 1 business day | same-day funding |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | EIN, 1 year in business, $20K monthly revenue |
| Loan types | Business, BridgingCovers more | Business |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Direct lender).
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Key differences
- 5in5 scores higher overall: 9.4 vs 9.0.
- Term is higher at 5in5: 0.5 to 24 months vs 5 to 12 months.
- Features: only Bizcap offers Credit line.
- Loan types: only 5in5 offers Bridging.
Our verdict on each
5in5
5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.
Bizcap
Bizcap suits established firms seeking revenue based funding with rapid payout, operating as a direct lender with soft prequalification and flexible credit line access. Terms run 5 to 12 months with amounts of up to $2,000,000 and payout at same-day funding for eligible revenue generating firms.
Score breakdown
| Area | 5in5 | Bizcap |
|---|---|---|
| Cost | Not confirmed | 9.2Upfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. |
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 9.3Amounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 8.8Defined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. |
From lowest to highest
| Fact | 5in5 | Bizcap |
|---|---|---|
| Term | 0.5 to 24 months | 5 to 12 months |
Positions in our rankings
| Ranking | 5in5 | Bizcap |
|---|---|---|
| Business loans | 3 of 435 | 15 of 435 |
Every fact side by side
| Fact | 5in5 | Bizcap |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Not confirmed | Newco Capital Group, LLC dba Bizcap |
| Founded | Not confirmed | 2019 |
| Support channels | Not confirmed | Email, Phone |
Where each stands against the rest
| Fact | 5in5 | Bizcap | Median |
|---|---|---|---|
| Term | 0.5 to 24 monthslowest quarter | 5 to 12 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
5in5
Pros
- Payout in Same day up to 1 business day helps when timing matters for stock or invoices
- Fixed ticket of €5,000 keeps budgeting clear for short dated needs
- Terms that run 0.5 to 24 suit brief gaps rather than extended debt
Cons
- Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
- Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
- Support through email, phone and help centre lacks chat, which some borrowers may prefer
Bizcap
Pros
- Payout at same-day funding helps firms meet payroll, stock and project deadlines without long waits.
- Amounts of up to $2,000,000 give headroom well beyond Cashspace with €100 to €5,000 for growth plans.
- Free early repayment lets you settle early without added charge and curb total outlay.
Cons
- Terms run 5 to 12 months which may feel short for extended projects needing longer amortisation.
- Support runs on email and phone only, without chat or help centre for out of hours queries.
- Fees of underwriting fee disclosed upfront add upfront cost compared with Cashspace with €100 to €5,000 for smaller needs.
Who each suits
5in5
Who it suits
- Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
- Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
- Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000
Who should look elsewhere
- Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
- Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000
Bizcap
Who it suits
- Established firms with steady revenue seeking same-day funding rather than the smaller caps of €100 to €5,000 from Cashspace.
- Firms wanting revolving access via same day funding and credit line rather than term only offers such as Ibancar Prestamos with €600 to €8,000.
Who should look elsewhere
- Pre revenue ventures without steady sales: business only via business, consider Cashspace with €100 to €5,000.
- Personal borrowers seeking household credit: revenue focus via EIN, 1 year in business, $20K monthly revenue, consider AXI Card Tarjeta y Credito with up to €1,500.
Country by country
| Country | 5in5 | Bizcap |
|---|---|---|
| Netherlands | Yes | No |
| United States | No | Yes |
Questions about each
5in5
Who can apply for a loan from this lender+
You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.
How large is the loan and how long does it last+
The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.
Bizcap
What fees does Bizcap charge?+
Bizcap applies fees of underwriting fee disclosed upfront on revenue based financing, disclosed upfront prior to acceptance so you can assess total cost. Early repayment carries no added charge, allowing you to settle early and limit the overall outlay where cash flow permits extra payments.
How much can my business request and over what term?+
Amounts of up to $2,000,000 are available subject to revenue assessment and affordability checks, covering modest boosts and larger growth plans. Terms run 5 to 12 months, offering a short repayment window that suits bridging needs and seasonal gaps rather than extended borrowing horizons.