Updated September 30, 2026 · BorrowCue Editorial Team
Bizcap vs Wannacash ES
Where Bizcap and Wannacash ES differ
| Compare |  Bizcap |  Wannacash ES |
|---|---|---|
| Loan amount | up to $2,000,000 | €50 to €900 |
| Term | 5 to 12 monthsHigher | 1 month |
| Arrangement fee | underwriting fee disclosed upfront | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | same-day funding | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | EIN, 1 year in business, $20K monthly revenue | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Business | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Free early repayment | Yes | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Bizcap scores higher overall: 9.0 vs 8.3.
- Term is higher at Bizcap: 5 to 12 months vs 1 month.
- Features: only Bizcap offers Credit line.
- Loan types: only Wannacash ES offers Personal, Payday, 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.
Wannacash ES
WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.
Score breakdown
| Area | Bizcap | Wannacash ES |
|---|---|---|
| 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. | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.8HigherDefined base under Newco Capital Group, LLC dba Bizcap dating to 2019 with help on email and phone. | 8.3 |
Feature by feature
| Loan types | Bizcap | Wannacash ES |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Student | No | Yes |
Licences and countries
Additional countries for Bizcap: 1. Additional countries for Wannacash ES: 1.
A third option
Sofkredit has term at 6 to 240 months, against 5 to 12 months for Bizcap and 1 month for Wannacash ES.
Sofkredit reviewSources behind this comparison
Bizcap
- bizcapfunding.com: 14 facts, checked September 30, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Bizcap | Wannacash ES |
|---|---|---|
| Loans for bad credit | 58 of 275 | 14 of 275 |
| Business loans | 15 of 435 | 4 of 435 |
Every fact side by side
| Fact | Bizcap | Wannacash ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Newco Capital Group, LLC dba Bizcap | 7eBiz International SL |
| Headquarters | Not confirmed | Spain |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Phone | Email, Phone |
Where each stands against the rest
| Fact | Bizcap | Wannacash ES | Median |
|---|---|---|---|
| Term | 5 to 12 monthslowest quarter | 1 monthlowest 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.
Wannacash ES
Pros
- A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
- Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
- The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
Cons
- The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
- The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
- WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
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.
Wannacash ES
Who it suits
- Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
- Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
- People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.
Who should look elsewhere
- Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
- Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
- People who need live chat support, as support runs on email and phone only.
Current offers
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | Bizcap | Wannacash 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.
Wannacash ES
What does WannaCash charge to arrange a loan?+
The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.
How much can I borrow from WannaCash?+
The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.
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