Updated September 30, 2026 · BorrowCue Editorial Team
Bizcap vs Qonto ES
Where Bizcap and Qonto ES differ
| Compare |  Bizcap |  Qonto ES |
|---|---|---|
| Loan amount | up to $2,000,000 | €750 to €1,000,000 |
| Term | 5 to 12 months | 1 to 12 months |
| Credit check | Soft prequal | Hard |
| Funding time | same-day funding | Answer within max 48 h, money in the Qonto account within a few days |
| Lender type | Direct lender | Broker |
| Eligibility | EIN, 1 year in business, $20K monthly revenue | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required |
| Loan types | Business | Business, Credit lineCovers more |
| Credit needed | Poor | Good |
| APR | Not confirmed | 19.5% |
| Arrangement fee | underwriting fee disclosed upfront | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- Bizcap scores higher overall: 9.0 vs 8.6.
- Qonto ES is available in 29 more countries.
- Support channels: only Qonto ES offers Chat, Help centre.
- Features: only Bizcap offers Same day funding.
- Loan types: only Qonto ES offers Credit line.
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.
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
Score breakdown
| Area | Bizcap | Qonto ES |
|---|---|---|
| Cost | 9.2HigherUpfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. |
| Offer | 9.3HigherAmounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. | 9.0 |
| Trust | 8.8HigherDefined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. | 8.3 |
Pick Bizcap if, pick Qonto ES if
Pick Bizcap if cost, offer, and trust matter most.
Pick Qonto ES if loan types matter most.
From lowest to highest
| Fact | Bizcap | Qonto ES |
|---|---|---|
| Term | 5 to 12 months | 1 to 12 months |
Positions in our rankings
| Ranking | Bizcap | Qonto ES |
|---|---|---|
| Lines of credit | 22 of 328 | 6 of 328 |
| Business loans | 15 of 435 | 5 of 435 |
Where each is licensed and available
| Country | Bizcap | Qonto ES |
|---|---|---|
| France | Not confirmed | ACPR 16958 FR_ACPR PSD_PI FR_ACPR!68677 |
| Spain | Not confirmed | Banco de Espana 16958 |
Additional countries for Bizcap: 1. Additional countries for Qonto ES: 30.
Where these facts come from
Bizcap
- bizcapfunding.com: 14 facts, checked September 30, 2026
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Bizcap | Qonto ES |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Credit line |
| Legal entity | Newco Capital Group, LLC dba Bizcap | QONTO |
| Headquarters | Not confirmed | France |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Phone | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Bizcap | Qonto ES | Median |
|---|---|---|---|
| APR | Not confirmed | 19.5%highest quarter | 8.99% |
| Term | 5 to 12 monthslowest quarter | 1 to 12 monthslowest quarter | 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.
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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.
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
Current offers
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
Source, checked September 26, 2026
Country by country
| Country | Bizcap | Qonto ES |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
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.
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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