Get access to seamless working capital to help you grow your business. $10,000 to $500,000 as a cash advance or line of credit, no security required, with flexible repayments that match your cashflow.
Approved and funded within 24 hours · No security required · Funding between $10,000 – $500,000
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What's BiiGGA
Why choose BiiGGA working capital?
BiiGGA provides working capital to Australian merchants and SMEs — a merchant cash advance, business term advance or line of credit, with repayments shaped to fit your cashflow instead of fighting it. Get easy access to the funds your business needs today to help you grow.
High approval rates
We assess your real trading, not just a credit score — so more businesses get a yes.
Easy credit requirements
6+ months trading and $10K+ monthly turnover. No perfect file, no property security needed.
Approved and funded within 24 hours
Fast decisions and fast funding. $10K–$500K, cash advance or line of credit.
Pay back as you get paid
Repayments are a small share of daily takings. Quiet weeks cost you less — strong weeks clear it faster.
One flat fee, easy to understand
Agreed upfront, never changes. No interest, no late fees — you only pay the fee agreed upfront.
Online application
Apply in 5 minutes. No documents to dig out — connect your bank data securely and we do the rest.
Our products
Three ways to fund your growth.
Whether repayments that move with your turnover, a fixed schedule you can budget around, or funds on standby, BiiGGA has a working capital product built for it. One factor fee agreed upfront, and funding within 24 hours of approval.
Variable repayments
Merchant Cash Advance (MCA)
A lump sum advance repaid as a set percentage of your turnover. We get paid when you get paid.
$10,000 to $500,000Limits up to 2x your monthly turnover
Repayments move with your tradeBased on the amount, term and a set percentage of turnover, updated fortnightly
Ideal for seasonal businessesQuiet weeks cost you less, strong weeks clear it faster
Approved and funded within 24 hoursOne factor fee only, agreed upfront
Pre-approvals use your existing payment and trading history — many customers start with a number already on the table.
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STEP 02Apply in 5 minutes
Five steps online. Identity verified electronically, bank data shared securely through illion — no paperwork.
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STEP 03Funding
Approved and funded within 24 hours of acceptance. Use the funds however your business needs.
How much can I get?
From $10,000 to $500,000, subject to affordability. Your offer sets out the exact amount available to you, your flat fee and your repayment percentage, all agreed upfront before you accept.
Payment options.
Every product repays differently, so use the sliders to see how yours would be shaped. MCA repayments are based on the amount, term and a set percentage of your turnover, updated fortnightly. BTA repayments are based on the amount and term, paid daily or weekly by term. LOC repayments are a minimum percentage of your outstanding balance each month, paid weekly, and are set out when your facility is established.
Based on the amount, term and a set percentage of turnover, updated fortnightly with your trading. We get paid when you get paid.
≈ per week or per business day
Based on the amount and term. Repayments are fixed, paid daily or weekly depending on the term of your advance.
Illustration only, excluding your factor fee. Your offer sets out your exact repayment and fee, agreed upfront before you accept.
Eligibility
Am I eligible?
Our criteria are simple and built around your real trading, not perfect paperwork. If your business ticks these boxes, you are ready to apply.
What you need
Trading for 6+ months as an Australian business with an active ABN or ACN (24 months for the Line of Credit)
Average monthly turnover above $10,000
No minimum credit score. We assess your real trading, not just a number
Funding from $10,000 to $500,000, with limits up to 2x your monthly turnover. LOC limits run from 75% of monthly turnover, up to a maximum of 150%
Meeting the criteria does not guarantee approval. Every application is assessed on what your business can comfortably afford.
Industries we can't fund
Adult and gambling, including horse and dog racing
Agriculture and mining
Debt collection services and firearms
Labour hire and recruitment agencies
Property development
Travel agencies
Exclusions apply to these industries and related businesses. Not sure where yours sits? Ask us before you apply.
Our fees
One fee. Nothing else.
BiiGGA prides itself on transparency, with no hidden fees, offering a one fee product. You pay a single factor fee agreed upfront, and that is the whole cost. Here is what we charge for everything else.
Establishment / origination fee0%
Failed direct debit fee$0
Late payment fee$0
Demand letter fee$0
Default fee$0
Drawdown fee (LOC)$0
Monthly subscription fee$0
Administration fee$0
Payment restructure fee$0
Discharge fee$0
★★★★★
"With traditional lenders, the process can be lengthy and uncertain. Waiting a long time for a reply. BiiGGA's approach was totally different. Through their online platform, they quickly and effectively assessed our turnover history and before the end of the day, we received the capital we needed to fully fund our renovation."
Gill, BiiGGA customer
About us
BiiGGA is part of the Attvest group.
BiiGGA was founded by Jaco Gunter and Guy Hosking — two decades each in banking, consumer finance and SME lending, including co-founding one of Africa's largest alternative SME lenders. They built BiiGGA with one conviction: accessing working capital shouldn't mean endless documents, weeks of waiting, and a "no" at the end of it.
Their partner is Attvest — one of Australia's largest insurance premium funding businesses for more than a decade, and the IBAA Gold Premium Funder of the Year 2026. Attvest's backing means institutional funding strength behind a platform built for speed. Visit Attvest
2014Attvest Finance is founded
A broker-first premium funder that grows into one of the largest in Australia.
2022BiiGGA launches
Jaco Gunter and Guy Hosking partner with Attvest to bring the merchant cash advance to Australian SMEs — repayments linked to turnover.
2024The broker channel takes off
Broker referrals accelerate as the portal lands — fast decisions and visible deals for referring partners.
2025The product range grows
Line of Credit joins the cash advance, with funding from $10,000 to $500,000 — no security required.
2026Premium Funder of the Year
Attvest is named IBAA Gold Premium Funder of the Year, with BiiGGA growing across every channel.
Meet the executive team
The leadership behind BiiGGA.
Jaco GunterCo-Founder & CEO
20+ years across banking, consumer finance and SME lending.
Guy HoskingCo-Founder & CFO
Chartered Accountant, 20+ years in banking and SME lending.
Lee SlatteryChief Commercial Officer
Leading commercial strategy and growth across every channel.
Meet the BiiGGA team
The people who look after your funding day to day.
Trading for 6+ months with average monthly turnover above $10,000 — that's it. The Line of Credit requires 24 months of trading. If you've received an offer email from BiiGGA, you're already approved to start.
Your offer sets out the amount available to you — up to $500,000, subject to affordability. Limits run up to 2x your monthly turnover for the MCA and BTA, and from 75% of monthly turnover (up to 150%) for the LOC. You can request a different amount during the application.
One flat fee, agreed upfront. No interest, no late fees — if repayment takes longer, the cost doesn't change.
To assess what you can comfortably afford — and to keep the process fast. Data is shared electronically through illion's bank-grade encryption. We can only view transactions; we never see or store your login details.
However your business needs. Stock, equipment, marketing, expansion — you know your business best, so we place no restrictions on use.
We make reasonable enquiries to verify your identity and your ability to service the advance, including credit checks on the business and its owners, and a quick electronic KYC process.
The Merchant Cash Advance (MCA) is a lump sum repaid as a set percentage of your turnover, so repayments move with your trade. The Business Term Advance (BTA) is a lump sum with a fixed repayment schedule, paid daily or weekly. The Line of Credit (LOC) is a standby facility you draw on as needed. All three carry one factor fee agreed upfront.
MCA repayments are based on the amount, term and a set percentage of your turnover, updated fortnightly. We get paid when you get paid, ideal for seasonal businesses. BTA repayments are based on the amount and term, paid daily or weekly depending on the term. LOC repayments are a minimum percentage of your outstanding balance each month, paid weekly, and are set out when your facility is established.
A small number of industries and related businesses are excluded, including adult, agriculture, debt collection services, firearms, gambling, horse and dog racing, labour hire, mining, property development, recruitment agencies and travel agencies. If you are unsure where your business sits, ask us before you apply.
Yes. You can settle early at any time with no additional fees.
Partners — brokers, referrers & advisers
Write more deals. Get them funded fast.
BiiGGA is built for the people who send us business. Approved and funded within 24 hours, high approval rates, and repayments that move with the client's turnover. Add a broker portal, a BDM by state, and credit and operations teams you can actually reach. Whether you write deals for a living or advise the businesses that need them, there is a place for you here.
Fast decisions
Decisions on real trading data, not just a score. Fewer dead deals in your pipeline.
Approved and funded in 24 hours
Your client has the money when they need it, without the wait.
High approval rates
We fund the SME clients the banks decline. More of your deals get to yes.
Repayments match turnover
Your client pays back as they trade. Quieter weeks cost them less.
One simple fee
One flat fee agreed up front. No interest, no late fees, nothing buried.
Broker portal & tools
Submit, track and manage every deal and commission, submission to settlement.
BDM support
A real person by state for scenarios, accreditation and getting deals over the line.
Credit & operations support
Direct access to the people who assess and settle, so deals keep moving.
BiiGGA Broker
Your clients funded. You paid. Fast.
Fast and high approval Approved and funded within 24 hours, on real trading data
Built for your clients We fund the SMEs banks decline — repayments match turnover, one flat fee
Portal & broker tools Submit, track and manage every deal and commission
Real support A BDM by state, plus credit and operations you can reach
