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Unsecured Business Loan

Access $5,000–$300,000

Improve cash flow
Renovate or expand
Buy new equipment
Boost staff
Purchase stock
Any business purpose  
Get your business loan started online

For 10+ years Capify has partnered with
small businesses to achieve their financing goals with funding unsecured small business loan

Capify small business loan customers have already returned to us as their lender of choice.

With over 15,437+Unsecured Small Business Loans (UBL) to Australian’s

Fast unsecured online business loans Australia for small business lending made simple, giving you access to funds to grow your business, provide greater cash flow, and invest in your business into the future. read some of our customer loans success stories for an quick unsecured business loan Australia.

Our finance repayment plans are tailored
to your business cash flow

Small Business Loan Finance

Capify unsecured business loan lending is quick and made easy, giving you access to funds to make your business grow, run and invest in your business. An unsecured business loan allows you to borrow funds without using an asset as security. Its called unsecured business funding or alternative funding.

Managing business finances is easy and more flexible with Capify smaller cash advance loans with regular repayments rather than a lump sum at the end of the month.

Your business finances may get more flexibility and can use the business loan Australia to cover cashflow, BAS payments, renovations or any other business-related purchase.

Capify will provide funding to eligible customers anywhere from $5,000 to $300,000 and apply online the additional fees


Good for

Instead of monthly payments, small fixed daily repayments for a business loan Australia. Its that simple!

Apply for a small business loan online. Approval is quick and funding usually can occur within as little as 24 hours.

The business finance you can be applied online for an unscured biz loan, making for an easier and faster loan process.

Merchant Cash Advance (MCA)

Simply, a Merchant Cash Advance (MCA) is a way for your business to access cash and pay it back over time using a percentage of future sales from your machine settlement.

For businesses that accept credit card / EFTPOS payments at the counter or on the move.

No matter what the brand machine or terminal you have, repayments are a small percentage of each day’s EFTPOS settlement.   Merchant Cash Advance (MCA) could be helpful aspect of ensuring you manage the cash flow of your business effectively.

Businesses which use ANY brand or type of EFTPOS /Credit Card transaction terminal or machine, such as Tyro,  Verifone,  Commonwealth Bank, NAB, St George,  ANZ, Westpac, Suncorp,  etc.  The machine or terminal can be at the fixed on counter or a movable terminal..

Capify will advance terminal owners anywhere from $5,000 to $300,000 and apply the additional fees.


Good for

A business that has fluctuating weekly sales in line with daily cash flow.




What you can count on from Capify

business finance

Alternative business funding and responsible lending, calculated on your business income.

Equifax says ” Demand for new alternative finance increased 130 per cent in H2 2017[1], compared with the same period the previous year, according to newly released data from Equifax, the global information solutions company and the leading provider of credit information and analysis in Australia and New Zealand”.

Equifax has worked with Capify to provide Autralian small business with their credit score. In Australia, a Business Credit Score can impact your ability to obtain small business financing or a small business loan. At Capify, we believe this information should be readily available to all business owners so that you can access the best possible deals and rates in accordance with your Business Credit Score.

paperwork for business finance

No financials, tax returns, BAS or business plans for loans under $75,000.


Quick Online Business Lending
approvals in only 24 hours

Easy application process with 24 hour quick approval turnaround for conditional approvals.

Capify Finance approvals are based on your cash flow, credit score and time in business meaning we take in consideration the strength of your business not your assets.

The online application process for applying is quick and easy, and if approved, you can access funds super-fast from the signed agreement.

It’s business finance that keeps up with the pace of your business, after all, it’s called Capify fast unsecured business loan for a exactly that reason.

Business Loan Australia

Business Loan Terms from 3 to 12 months with an easy quick renewal process.

How can the unsecured funds
be used?

Where's the
repayment calculator?

Capify is known to do things a little differently and we understand small businesses requirements. We get to know each of our customers and tailor a funding and repayment plan to best benefit their small business.

There’s not one formula that fits all. Some would call it a crafted product, we just call it flexibility. Alternative business funding is the new normal and flexible loan terms.

Use the small business finance calculator to see how much business finance you could qualify for. You may be pleasantly surprised and that the business loan repayment calculator solve those cashflow issues in your small business.

Ask about our terms and conditions and eligible criteria.

How much business finance could you qualify for

What is your business gross earnings per annum

We make small business finance

Apply for Business Finance & Increase Cashflow

Applying for an quick small loans such as a  Unsecured Business Loan (UBL) or a Merchant Cash Advance (MCA) only takes minutes for getting approval for a online business loan-Australia.

You can apply by using the link below or contacting us on

1300 760 930

Apply now

24hr Lending
Pre Approval

After learning more about you and your business we can have you pre-approved within 24 hours. Speak to a business lender that understands you and your need for business loans australia for cashflow.

Phone 1300 760 930

Unsecured Business Funds within
48 hours

The best part – once approved, your unsecured business loan australia(UBL)is guaranteed and the funds are in your account within days.

You don't need to
take our word for it regarding our business finance

Capify worked for us to make our vision a reality

John—The Crow Bar

Capify worked for us to make our vision a reality

John—Crow Bar

Alternative Business Lender

Apply anytime, anywhere

  • No application fee
  • No obligation
  • See how much you qualify for

Still have questions?

See our FAQs

Chances are someone else has had the same question and the answer will be in our FAQs.

Call us

Call us between
8:00am – 6:00pm (AEST) Monday – Friday

1300 760 930

Copyright © 2019 Capify Australia PTY LIMITED (ABN 38 630 469 117) trading as Capify. All Rights Reserved.