When small business owners talk about funding challenges, the story is often the same: too much paperwork, not enough time, and limited access to the kind of capital that helps them grow.
A quiet revolution is reshaping that narrative. Artificial intelligence (AI), once the preserve of big tech, is now powering the next generation of lending. At the forefront of this shift is Bizcap.
Together with its U.S. affiliate NewCo Capital Group, the global non-bank lender recently announced the acquisition of 8fig, an AI-driven funding platform for e-commerce sellers.
The move marks more than just an expansion of Bizcap’s global footprint; it represents the convergence of two powerful forces — capital and intelligence — that are redefining how small and medium-sized enterprises (SMEs) plan, forecast and finance their growth.
A smart match for a smarter market
Founded in 2019, Bizcap has built its reputation on speed and flexibility. It has funded 66,000 SMEs worldwide, distributing more than AUD$3 billion in capital and earning a 4.9 out of 5 Trustpilot rating. The company operates across Australia, New Zealand, Singapore, the US, Canada, the UK and Europe, with plans to expand into Mexico.
Its new partner, 8fig, launched in 2020 and quickly became a standout in e-commerce finance. Having delivered more than US$500 million to online sellers, 8fig developed an “AI CFO” tool, a digital finance partner that helps business owners model cash flow, track inventory and plan growth with a level of precision previously reserved for large corporations.
Now part of the Bizcap Group, 8fig retains its independence while gaining access to Bizcap’s global reach, operational strength and capital resources. The result is a partnership that could reshape the SME funding landscape.
“8fig has the right platform, the right people and the right mindset to make a global impact,” said Albert Gahfi, Co-Founder and Co-CEO of Bizcap Global.
“We’re excited to combine that strength with Bizcap’s reach and expertise to broaden our product offering and accelerate market penetration,” he said.
AI meets access to capital
AI’s role in finance has grown rapidly, but until recently, much of that innovation was focused on investment management or credit scoring within large institutions. What Bizcap and 8fig are building is different. Their focus is on democratising access to funding by embedding intelligence directly into the lending process.
Through automated underwriting and predictive analytics, the partnership enables faster and more accurate assessments of risk and opportunity. That means more businesses, especially those that fall outside the traditional banking system, can access the funding they need without lengthy approval processes.
“8fig turns complexity into speed, accuracy and intelligence,” said Zalman Blachman, Bizcap Global’s Co-Founder and Co-CEO.
“Their innovation amplifies our mission to deliver fast, flexible capital and positions Bizcap at the forefront of the future of small business lending.”
The collaboration also signals a broader shift in financial services. Rather than simply offering loans, Bizcap is providing digital tools that help businesses plan for growth, manage cash flow and forecast demand. The model blends finance with financial intelligence.
The evolution of SME finance
For decades, SMEs have struggled to secure the kind of funding routinely available to larger enterprises. Traditional lenders often view small businesses as higher risk, with manual processes and rigid credit criteria slowing down approvals.
Fintech innovators like Bizcap have disrupted that model by prioritising speed and accessibility. As competition increases, however, differentiation now depends on technology. The integration of AI-driven tools such as 8fig’s “AI CFO” marks a significant new phase in this evolution.
With AI, funding can be tailored dynamically. Instead of static loan terms, data-driven systems can adjust repayment schedules, credit limits or capital offers in real time based on a business’ performance. This flexibility gives entrepreneurs the breathing room they need to navigate fluctuating demand and seasonal trends, particularly in online retail where agility is essential.
Yaron Shapira, CEO of 8fig, said the partnership will accelerate growth by expanding technology, entering new markets, and forming strategic alliances without budget limits.
“Our mission has always been to empower SMEs and e-commerce sellers to scale globally. With Bizcap’s talented team beside us, we’re ready to take that mission to new heights,” he said.
Global reach, local impact
The partnership strengthens Bizcap’s international position. With a growing presence across Europe and plans to enter new markets, the company is building what it calls a “global ecosystem for growth”. That ecosystem connects entrepreneurs with tailored funding solutions, brokers with smarter tools and partners with a wider suite of products, from working capital and credit lines to structured growth finance.
For small business owners, the benefits are clear: faster approvals, smarter insights and funding models designed around their needs rather than the limitations of traditional banking systems.
But there is a broader story here too. As AI becomes more deeply integrated into financial services, it is changing expectations about how funding should work. Entrepreneurs no longer want one-off loans; they want ongoing support, real-time forecasting and tools that help them plan with confidence.
Bizcap’s move suggests that the next generation of lenders will act less like banks, and more like growth partners.
A turning point for fintech
Bizcap’s acquisition of 8fig is more than a corporate milestone, it’s a signal of where the industry is heading. The future of SME funding will be defined by the ability to blend financial expertise with intelligent systems that can learn, adapt and scale.
As global markets continue to digitise, small businesses will need funding solutions that keep pace with their ambitions. AI offers the ability to do just that by removing friction, improving decision-making and unlocking new levels of efficiency.
For Bizcap, that means evolving from a lender into an enabler. For the thousands of small businesses seeking their next opportunity, it could mean turning ambition into action faster than ever before.
About Bizcap
Bizcap is a global non-bank financing provider offering fast, flexible funding to small and medium-sized enterprises (SMEs) in Australia, New Zealand, Singapore, the U.S. (as NewCo Capital Group), Canada, the UK, and Europe. Founded in 2019, Bizcap empowers SMEs by offering approvals in as little as three hours, with same-day funding available. Bizcap has funded more than 66,000 SMEs, totalling AUD$3 billion, while holding a 4.9/5 Trustpilot rating.
For more information, visit bizcap.com.au
About 8Fig
8fig is an AI-driven funding and cash flow planning platform for e-commerce sellers. The company was founded in 2020 by co-founders Yaron Shapira, Assaf Dagan and Roei Yellin. Its “AI CFO” combines continuous, flexible growth capital with planning tools across cash flow, inventory, and supply chain which helps online sellers forecast and scale with confidence. To date, 8fig has delivered more than US$500 million in funding to online sellers.
For more information, visit 8fig.co
