Updated September 30, 2026 · BorrowCue Editorial Team
Bizcap vs Lendela
Where Bizcap and Lendela differ
| Compare |  Bizcap |  Lendela |
|---|---|---|
| Loan amount | up to $2,000,000 | SGD 1,000 to SGD 200,000 |
| Term | 5 to 12 months | 3 to 72 monthsHigher |
| Arrangement fee | underwriting fee disclosed upfront | SGD 0 |
| Credit check | Soft prequal | None |
| Funding time | same-day funding | Around 1-2 days from application to disbursement; some within hours |
| Lender type | Direct lender | Marketplace |
| Eligibility | EIN, 1 year in business, $20K monthly revenue | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Business | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Credit needed | Poor | Fair |
| APR | Not confirmed | up to 48% |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Bizcap scores higher overall: 9.0 vs 8.5.
- Founded is lower at Lendela: 2018 vs 2019.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 5 to 12 months.
- Support channels: only Lendela offers Help centre.
- Loan types: only Lendela offers Personal, Debt consolidation, Secured.
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Bizcap | Lendela |
|---|---|---|
| Cost | 9.2Upfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. | Not confirmed |
| Offer | 9.3HigherAmounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.8HigherDefined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. | 8.2 |
From lowest to highest
| Fact | Bizcap | Lendela |
|---|---|---|
| Term | 5 to 12 months | 3 to 72 months |
Positions in our rankings
| Ranking | Bizcap | Lendela |
|---|---|---|
| Loans for bad credit | 58 of 275 | 42 of 275 |
| Lines of credit | 22 of 328 | 10 of 328 |
| Business loans | 15 of 435 | 10 of 435 |
Where each is licensed and available
Additional countries for Bizcap: 1. Additional countries for Lendela: 2.
Also worth a look
Sofkredit has term at 6 to 240 months, against 5 to 12 months for Bizcap and 3 to 72 months for Lendela.
Sofkredit reviewWhat we checked
Bizcap
- bizcapfunding.com: 14 facts, checked September 30, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Bizcap | Lendela |
|---|---|---|
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Newco Capital Group, LLC dba Bizcap | Lendela Pte. Ltd. |
| Headquarters | Not confirmed | Singapore |
| Founded | 2019 | 2018Lower |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Bizcap | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Bizcap | Lendela | Median |
|---|---|---|---|
| APR | Not confirmed | up to 48%highest quarter | 8.99 |
| Term | 5 to 12 monthslowest quarter | 3 to 72 monthsabove the median | 60 |
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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | Bizcap | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Other options to compare
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