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Unsecured Small Business Loans

Access $5,000–$300,000

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

For 10+ years Capify has partnered with
small businesses to achieve their financing goals

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

Our repayment plans are tailored
to your business cash flow

Small Business Loan

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 personal loan allows you to borrow funds without using an asset as security.

Managing business finances is easy and more flexible with smaller 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 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 the additional fees


Good for

Instead of monthly payments, small fixed daily repayments.

Apply for a loan online. and approval for funding can occur within as little as 24 hours.

The business loans you can be applied online, 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 counter or on the move.

Capify will advance 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 us

business loans

Alternative and responsible lending, calculated on your business income.


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


Easy application process with 24 hour turnaround for conditional approvals.


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

How can the 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 business – There’s not one formula that fits all. Some would call it a crafted product, we just call it flexibility.

Use the small business finance calculator to see how much business finance you could qualify for. You may be pleasantly surprised.

How much business finance could you qualify for

What is your business gross earnings per annum

We make
it simple


Applying for an Unsecured Business Loan or a Merchant Cash Advance (MCA) only takes minutes. You can apply by using the link below or contacting us on

1300 760 930

Apply now

Pre Approval

After learning more about you and your business we can have you pre approved within 24 hours.

Funds within
48 hours

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

You don't need to
take our word for it

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

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.