Updated September 30, 2026 · BorrowCue Editorial Team
Bizcap vs Nazivnost
Bizcap vs Nazivnost: the differences
| Compare |  Bizcap |  Nazivnost |
|---|---|---|
| Loan amount | up to $2,000,000 | CZK 5,000 to CZK 200,000 |
| Term | 5 to 12 months | 2 to 12 months |
| Arrangement fee | underwriting fee disclosed upfront | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Credit check | Soft prequal | Hard |
| Funding time | same-day funding | Within minutes of approval, at latest the next day |
| Eligibility | EIN, 1 year in business, $20K monthly revenue | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Loan types | Business | Business, PaydayCovers more |
| Credit needed | Poor | Fair |
| APR | Not confirmed | 0.037% to 30,341% |
| Representative example | Not confirmed | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0.05% |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Founded is lower at Nazivnost: 2016 vs 2019.
- Support channels: only Nazivnost offers Help centre.
- Features: only Bizcap offers Credit line.
- Loan types: only Nazivnost offers Payday.
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.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | Bizcap | Nazivnost |
|---|---|---|
| Cost | 9.2Upfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. | 9.3HigherRates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 9.3HigherAmounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. | 8.7 |
| Trust | 8.8Defined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. | 8.8 |
From lowest to highest
| Fact | Bizcap | Nazivnost |
|---|---|---|
| Term | 5 to 12 months | 2 to 12 months |
Positions in our rankings
| Ranking | Bizcap | Nazivnost |
|---|---|---|
| Loans for bad credit | 58 of 275 | 57 of 275 |
| Business loans | 15 of 435 | 13 of 435 |
Sources behind this comparison
Bizcap
- bizcapfunding.com: 14 facts, checked September 30, 2026
Nazivnost
- nazivnost.cz: 18 facts, checked September 26, 2026
- ares.gov.cz: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Bizcap | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Newco Capital Group, LLC dba Bizcap | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Not confirmed | Czechia |
| Founded | 2019 | 2016Lower |
| Support channels | Email, Phone | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Bizcap | Nazivnost | Median |
|---|---|---|---|
| APR | Not confirmed | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 5 to 12 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0.05%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.
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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.
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
Country by country
| Country | Bizcap | Nazivnost |
|---|---|---|
| Czechia | 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.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.