Updated September 30, 2026 · BorrowCue Editorial Team
Bizcap vs Creditilia ES
What sets them apart
| Compare |  Bizcap |  Creditilia ES |
|---|---|---|
| Loan amount | up to $2,000,000 | €500 to €50,000 |
| Term | 5 to 12 months | 3 to 96 monthsHigher |
| Arrangement fee | underwriting fee disclosed upfront | EUR 0 - no opening, study or early repayment fee |
| Credit check | Soft prequal | Hard |
| Funding time | same-day funding | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Lender type | Direct lender | Marketplace |
| Eligibility | EIN, 1 year in business, $20K monthly revenue | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Business | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| APR | Not confirmed | 4% to 289% |
| Representative example | Not confirmed | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
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 Creditilia ES: 3 to 96 months vs 5 to 12 months.
- Support channels: only Bizcap offers Phone.
- Features: only Bizcap offers Credit line.
- Loan types: only Creditilia ES offers Personal, Payday, Debt consolidation.
Our verdict on each
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.
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
Score breakdown
| Area | Bizcap | Creditilia ES |
|---|---|---|
| Cost | 9.2Upfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 9.3HigherAmounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. | 8.5 |
| Trust | 8.8HigherDefined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. | 8.1 |
What each covers
| Loan types | Bizcap | Creditilia ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Guarantor | No | Yes |
Also worth a look
Sofkredit has term at 6 to 240 months, against 5 to 12 months for Bizcap and 3 to 96 months for Creditilia ES.
Sofkredit reviewHow they place
| Ranking | Bizcap | Creditilia ES |
|---|---|---|
| Loans for bad credit | 58 of 275 | 31 of 275 |
| Business loans | 15 of 435 | 8 of 435 |
Every fact side by side
| Fact | Bizcap | Creditilia ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Newco Capital Group, LLC dba Bizcap | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Not confirmed | Spain |
| Founded | 2019 | Not confirmed |
| Support channels | Email, PhoneCovers more |
Mortgages
| Fact | Bizcap | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Bizcap | Creditilia ES | Median |
|---|---|---|---|
| APR | Not confirmed | 4% to 289%lowest quarter | 8.99 |
| Term | 5 to 12 monthslowest quarter | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
Who each suits
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.
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
Country by country
| Country | Bizcap | Creditilia ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
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.
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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