Updated September 30, 2026 · BorrowCue Editorial Team
Andacredito vs Bizcap
Andacredito vs Bizcap: the differences
| Compare |  Andacredito |  Bizcap |
|---|---|---|
| Loan amount | €100 to €5,000 | up to $2,000,000 |
| Term | 2 to 3 months | 5 to 12 monthsHigher |
| Arrangement fee | 0 EUR | underwriting fee disclosed upfront |
| Funding time | 10 minutes | same-day funding |
| Lender type | Broker | Direct lender |
| Eligibility | 18 or older, bank account in Spain, ability to repay | EIN, 1 year in business, $20K monthly revenue |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Business |
| APR | 0% to 36% | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Free early repayment (Yes), Credit needed (Poor).
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Key differences
- Bizcap scores higher overall: 9.0 vs 8.7.
- Term is higher at Bizcap: 5 to 12 months vs 2 to 3 months.
- Support channels: only Bizcap offers Phone.
- Features: only Bizcap offers Credit line.
- Loan types: only Andacredito offers Personal, Payday, Car.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | Bizcap |
|---|---|---|
| Cost | 9.5Higher | 9.2Upfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. |
| Offer | 8.3 | 9.3HigherAmounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. |
| Trust | 8.3 | 8.8HigherDefined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. |
A third option
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 5 to 12 months for Bizcap.
Sofkredit reviewSources behind this comparison
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Bizcap
- bizcapfunding.com: 14 facts, checked September 30, 2026
How they place
| Ranking | Andacredito | Bizcap |
|---|---|---|
| Loans for bad credit | 9 of 275 | 58 of 275 |
| Business loans | 2 of 435 | 15 of 435 |
Every fact side by side
| Fact | Andacredito | Bizcap |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OU | Newco Capital Group, LLC dba Bizcap |
| Headquarters | Estonia | Not confirmed |
| Founded | Not confirmed | 2019 |
| Support channels | Email, PhoneCovers more |
Where each stands against the rest
| Fact | Andacredito | Bizcap | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 8.99 |
| Term | 2 to 3 monthslowest quarter | 5 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Bizcap |
|---|---|---|
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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.
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