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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 goals

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.

Our repayment plans are tailored
to your business cash flow

Small Business Loan

Instead of monthly payments, small fixed daily repayments. Apply for a loan online. If approved, you can access funding within 24 hours.

Good for

Managing business finances as smaller regular repayments rather than a lump sum at the end of the month.

Merchant Cash Advance (MCA)

For businesses that accept credit card / EFTPOS sales, no matter what the brand machine you have. Repayments are a small percentage of each day’s EFTPOS settlement. Simply, a merchant cash advance 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.

Capify will advance anywhere from $5,000 to $300,000

Good for

Businesses with fluctuating weekly sales as repayments vary 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. 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 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 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.