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We make small business finance simple

Quick & Simple Application

Call or apply online in minutes for a quick, obligation free quote.

Loans Between $5K-$300K

We can get you funds you need with loan terms that suits your business.

Fast 24 Hour Funding

Fast, same day approvals and funds in your account within 24 hours*.

A cash injection to help you push your business forward

A cash injection to help you push your business forward

Get a quick eligibility quote online with no impact on your credit file when you apply for a business loan from Capify.

The Capify business loan is designed to provide much-needed working capital to small business owners no matter their credit score.

We’ve helped thousands of small businesses across Australia fulfil their business ambitions.

Loans are available from between $5,000 and $300,000+ for any business purpose. So whether you’re looking for finance to purchase stock, renovate your premises, raise cashflow or to purchase new machinery, a Capify business loan could be right for you.

Featured in Finder.com.au, CANSTAR, MOZO, InfoChoice

Small Business Loans

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.


Merchant Cash Advance

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 a 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 a counter or a movable terminal.

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


Our commitment to responsible alternative lending

We provide 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 Australian 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.

How can small businesses use business funds?

  • Pay bills
  • Marketing
  • Hiring extra staff
  • Purchasing Stock
  • Improve cash flow
  • Purchasing a business car or truck
  • Renovating or expanding the business
  • Upgrading or purchasing equipment

Customer Success Stories

Capify worked for us to make our vision a reality

John-The Crow Bar

Speak to a lending specialist today on 1300 760 930 to get funds in 24 hours or start your application and apply now.

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