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Dedicated Relationship Manager

You will be paired with a dedicated relationship manager

Generous Commissions

Earn generous commissions on referrals and funded deals

Trusted Lender

We’re Australia’s first trusted alternative online lender to small businesses

Monetise Your Love of Small Business

Teaming up with us to provide your customers with unsecured business finance has never been so simple! Join our affiliate program and get paid for sending your customers to our website. When you apply to become our partner you will receive access to our real-time reporting portal, a dedicated relationship manager and a wide range of professionally designed creatively to re-purpose on your website.

As the first alternative online business lender in Australia, we value our strategic partnerships and pride ourselves on providing small business owners with quick, hassle-free unsecured business finance.

Our Merchant Cash Advance and Small Business Loans products are second to none, and thanks to our high customer satisfaction return rates, our partners can expect to earn a generous ongoing commission for new or renewed loans funded by Capify.

If you want to become an affiliate marketing partner for small business loans to start driving extra revenue into your business, register our interest by emailing us at [email protected]



Unsecured Business Loan

Capify has helped thousands of small businesses across Australia grow their business. Our short term, unsecured loans are the ideal solution for small businesses who need working capital to achieve their business goals without having to worry about any security or collateral.

Loans are available up to $500,000 for any business purpose. So whether you’re looking for finance to purchase stock, renovate your premises, raise cash flow or to purchase new machinery, you could be approved and funded within 24 hours.^

Unsecured business loans allow you to borrow money for your business without the need for collateral. Unlike secured loans which require you to borrow against an asset such as a vehicle or property, unsecured loans aren’t guaranteed.

As a result of not requiring any collateral, unsecured loan applications are often assessed on the basis of business cash flows and the borrower’s creditworthiness.

Our unsecured business loans can be provided for anywhere from 3 months to 13 months with flexible repayments and early payout available.

What are unsecured business loans for?

Businesses choose to take out unsecured business loans for a range of different business-based reasons.

These range from immediate needs to long-term plans, but some of the most common things unsecured business loans can be used for are the following:

  • Helping with cash flow
  • New equipment, renting new spaces and overall expansion plans
  • Hiring new staff
  • Paying off existing debts and owed money to contractors, suppliers or other partners


Merchant Cash Advance

A merchant cash advance is a unique type of business finance that is becoming an innovative and popular alternative to traditional loan products. It is a fast and easy way to get a cash injection by borrowing funds in advance for a percentage of future EFTPOS & Credit Card payments.

This allows businesses the flexibility to match the repayments with their current cash flow.

An MCA is ideal for businesses who accept credit and debit card payments from their customers; like retailers, pubs, bars and restaurants.


How does a Merchant Cash Advance work?

An MCA is quite different from a conventional business loan, but the premise is really simple. The main difference between a merchant cash advance and a traditional loan is that the repayments are paid back on a percentage (factor) basis, rather than as a series of regular, equal instalments.

A Merchant Cash Advance is designed for small businesses and sole traders that;

  • Accept credit card or EFTPOS payments from customers
  • Want to avoid a steep payment at the end of the month
  • Have fluctuating sales, so you want to pay as you go
  • Are looking for a fast and straightforward business finance solution

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

Why Capify

We know running a business is hard. Remaining stable as a small business and capitalising on growth opportunities can be difficult in such a competitive environment, especially when you’re short on funding.

Capify can help you get the funding you need quickly, without any hassles. We take time out to understand your business needs and offer you a tailored solution to help you achieve business growth, provide greater cash flow, and invest in your business for the future.


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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