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A small business loan is a perfect way to get a quick cash injection into your business. Our business loans are tailored specifically to the needs of small businesses so the loan amount, rates and repayment terms are better suited to smaller businesses who need access to funds quickly for any business purpose.


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


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. Unlike commercial banks, however, Capify only requires minimum paperwork to process your application and once approved, the funds will be deposited in your account within 24 hours, not weeks or months.


Our unsecured business loans can be provided for anywhere from 3 months to 13 months with flexible repayments and early payout available so instead of monthly payments, our business loan has a fixed, daily repayment schedule allowing you to manage your business finances and budget more effectively.

What can small business loans be used 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:



Other types of unsecured loans for businesses


If your company has fluctuating cash flow, our Merchant Cash Advance or MCA is an alternative solution that adjusts to meet the daily cash flow of your business.


Rather than fixed daily repayments, a small percentage of your credit card and EFTPOS terminal sales are repaid daily for the term of your cash advance.


Small Business Loan Features

  • Borrowing capcity
    up to $500,000
  • Quick approvals
    Same day approvals & funding possible in 24 hours
  • Unsecured business loan
    No assets or security required
  • Minimum paperwork
    No financials, tax returns or BAS for loans under $75,000
  • Easy Repayments
    Fixed daily repayments that's easy on cash flow
  • Short term
    3 to 12 months
  • Renewals
    Fast and simple renewal process
Apply Now

Or call 1300 760 930

Does my business qualify for a loan?

  • The business has been operating for
    6 months
  • Current ACN/ABN
  • Bank Statements
  • Minimum $10,000 a month in gross sales
  • You have proof of ownership
  • Loan amount
  • Repay loan amount
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