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Alternative Business Lending

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What is Alternative Business Lending and Online Business Lenders?

The term ‘Alternative Business Funding’ or ‘Fintech Australia’ is something new and foreign.  Alternative lending is an emerging global market that has begun to overtake the leading position of the traditional bank when it comes to business loans and lending short term. Online Alternative business lenders such as Capify provide a range of alternative loan options for business owners rather than traditional bank loans.

 

 

Australia Fintech Online Business Loan Lender
Despite being a relatively new concept, in 2016 it was found in the Asia Pacific Alternative Finance Industry report, that Australia has now become the second-largest market in the Asia Pacific for alternative financing right behind China.

The Australian government has recognised Fintech companies and created a robust environment. The FinTech industry not only attracts much needed international innovators, but it also means that the industry is up to date in RegTech and it is no longer a risk for those who are looking into alternative lending solutions.

 

The investment in the Australian FinTech industry from $US53 million in 2012 to $US675M in 2016, has created a competitive environment that benefits the SME market. There is no denying that businesses and individuals are tired of the strict guidelines traditional banks provided, the demand for accessible, simple and tailored solutions for businesses is precisely what Capify fulfils.

 

These businesses succeed because they find ways to overcome the barriers that all small businesses face at one stage or another. For many, one of these is securing adequate capital to fund growth opportunities.

Speak to a lending specialist and overcome those day-to-day challenges to work on their business today on 1300 760 930 to get funds in 24 hours or start your application and apply now.

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How to apply for a Business loan for asset purchases with Capify?

Australia’s leading finance firm, Capify, can provide a solution to every business need by their ideal short-term business loan. This business loan will help the customer’s enterprise increase their working capital as it gives them the ability to purchase inventory and make missed or late payments.

This unsecured business loan differentiates itself from others as it has an approval process of only a short 24 hours and has loan terms from $5,000-$300,000, terms and conditions apply. This means enterprises are able to receive the money with no hassle, allowing them to get on the pathway of achieving their business goals. Call 1300 760 930 to apply for funds to find out our non-fixed interest rates before April 2019 to get ahead of June 2020 tax financial income year. Capify do not provide line of credits.

How could small businesses use the 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

Capify Financing Options and Business Loan Products

Capify presents ideal solutions to businesses who struggle to sustain adequate funds or want to achieve certain business goals. We offer two principal products and services that aid businesses in achieving their goals; Merchant Cash Advance and Capify small business loan. The Capify business loan ranges from 5,000 to 300,000 dollars which are deposited into the customer’s account where they will then have the ability to fund their business. This unsecured business loan will then allow enterprises to improve the health of their business and be repaid through small daily transactions.

Moreover, another business product that Capify offer is Merchant Cash Advance, which works best for businesses who tend to experience fluctuating cash flow. Merchant Cash Advance refers to the business gaining a lump sum of money and repaying it through minor percentages of their EFTPOS transactions. This will benefit the business as they are less prone to shortages within their cash flow thus allowing them to increase capital whilst repaying the loan back. As well as this, Capify provides their expertise to customers, suggesting new ways to improve the cash flow, tailored to their specific business.

Capify is Australia’s first small business lender since 2008, we have built and maintained a google review of 4.5/5.

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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FAQs

What are your interest rates?

We don’t use interest rates for our funding solutions.

Instead Capify offers an agreed total payback amount. The payback amount depends on the type of business you operate and the term you require the business finance for. This way your business knows up front the total costs, making managing your cash flow easy.

What are your loan amounts and terms?

Capify can lend your business from $5,000 to $300,000 in unsecured small business funding to SMEs. The repayment terms are flexible and depend on the monthly turnover of your business. Terms range from 3 months to 12 months.

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