Updated September 30, 2026 · BorrowCue Editorial Team
Bizcap vs Smartney
What sets them apart
| Compare |  Bizcap |  Smartney |
|---|---|---|
| Loan amount | up to $2,000,000 | PLN 1,000 to PLN 150,000 |
| Term | 5 to 12 months | 4 to 120 monthsHigher |
| Arrangement fee | underwriting fee disclosed upfront | Prowizja (commission) for granting and servicing the loan, charged with interest; e.g. 7,888.64 PLN on the 34,676.56 PLN cash loan example, 0 PLN in the current 0 PLN commission promotion |
| Credit check | Soft prequal | Hard |
| Funding time | same-day funding | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Eligibility | EIN, 1 year in business, $20K monthly revenue | Ages 21-70 holding a bank account in Poland |
| Loan types | Business | Personal, Debt consolidation, Car, BusinessCovers more |
| APR | Not confirmed | 17.11% to 36.19% |
| Representative example | Not confirmed | Cash loan DaSię Teraz: RRSO 36.19% on 8,553.12 PLN over 37 instalments of 357.64 PLN, total repayable 13,596.49 PLN |
| Rate type | Not confirmed | Variable |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Term is higher at Smartney: 4 to 120 months vs 5 to 12 months.
- Support channels: only Smartney offers Help centre.
- Features: only Bizcap offers Credit line.
- Loan types: only Smartney offers Personal, Debt consolidation, Car.
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.
Smartney
Smartney is a Polish direct lender whose speed and wide term choice suit borrowers who need cash quickly and can clear a hard credit check. Costs sit at the high end: a variable rate, and a representative example at the top of the 17.11% to 36.19% range.
Score breakdown
| Area | Bizcap | Smartney |
|---|---|---|
| Cost | 9.2HigherUpfront disclosure via fees of underwriting fee disclosed upfront with early settlement at no added charge. | 8.9 |
| Offer | 9.3HigherAmounts of up to $2,000,000 with terms at 5 to 12 months and payout at same-day funding. | 8.9Direct lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. |
| Trust | 8.8Defined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. | 9.2Higher |
Where each is licensed and available
| Country | Bizcap | Smartney |
|---|---|---|
| Poland | Not confirmed |
Additional countries for Bizcap: 1. Additional countries for Smartney: 1.
Positions in our rankings
| Ranking | Bizcap | Smartney |
|---|---|---|
| Business loans | 15 of 435 | 14 of 435 |
Feature by feature
| Loan types | Bizcap | Smartney |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
A third option
Sofkredit has term at 6 to 240 months, against 5 to 12 months for Bizcap and 4 to 120 months for Smartney.
Sofkredit reviewEvery fact side by side
| Fact | Bizcap | Smartney |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Newco Capital Group, LLC dba Bizcap | Smartney Grupa Oney S.A. |
| Headquarters | Not confirmed | Poland |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Bizcap | Smartney | Median |
|---|---|---|---|
| APR | Not confirmed | 17.11% to 36.19%above the median | 8.99 |
| Term | 5 to 12 monthslowest quarter | 4 to 120 monthshighest 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.
Smartney
Pros
- Payouts usually land in minutes, and same-day funding is offered
- Free early repayment, so clearing part of the balance early costs nothing extra
- Amounts of PLN 1,000 to PLN 150,000 over terms of 4 to 120 cover personal, consolidation, car and business lending
Cons
- Credit checks are hard, so a rejected application can leave a mark on the credit file
- Costs sit high, with the representative example at the top of the 17.11% to 36.19% range
- The rate type is variable, so the cost can move over the term
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.
Smartney
Who it suits
- Borrowers with a bank account in Poland who need the money quickly
- Anyone consolidating several debts into a single instalment
- Drivers and homeowners funding a car or home improvement work
Who should look elsewhere
- Cost-first borrowers, since Monzo Flex lists 10% to 23% and Cashspace ES lists 0%
- Anyone wanting a locked instalment, because the rate type here is variable
- Borrowers who cannot pass a credit check that is hard
Current offers
Smartney
Current offer
Bonus
0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan
07.09.2026-31.10.2026, new customers who had no Smartney loan before, 10,000-20,000 PLN over 72-84 months, once per promotion; example RRSO 15.5%
Source, checked September 26, 2026
Country by country
| Country | Bizcap | Smartney |
|---|---|---|
| Poland | 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.
Smartney
What does a Smartney loan cost?+
The representative APR is 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, and the rate type is variable rather than fixed. The published example sits at the dearer end of that range, so the total repayable figure is the number to check before you apply.
Is there an arrangement fee?+
There is a commission for granting and servicing the loan, charged together with the interest rather than taken as a separate upfront payment. The current promotion waives that commission, so on a promoted loan the interest is the only charge on top of what you borrow.