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Flexible Financing
Made Easy with
Capify's Flex Loan

 Streamline Your Business Financing and get the Best of Both Worlds, with Capify’s Flexible Loan Options

Capify Flex Loan

Trusted by thousands of small Aussie businesses.

Introducing our short-term flexible business loan, designed to cater to the financing needs of businesses seeking non-traditional funding solutions. Our loan option boasts a higher approval rate than most unsecured loans, providing a reliable source of capital for businesses in need.

Borrowing capacity

$5,000 to $100,000 with terms up to 5 months

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 with the Capify Flex loans

Easy Repayments

Up to 5 months short-term fixed daily repayments that are easy on your cash flow,

Key Features

> This product is ideal for SME businesses that face challenges in accessing funding from traditional financial institutions
> Credit file with adverse listings may be accepted
> We understand that a credit score is just a number and we work with all credit scores

Talk to a Human

We’re always happy to work 1-on-1 to understand your situation and your business better.

Flexible Loan Options

We have a range of products and can tailor a solution to suit your small business needs.

15+ Years Experience

We’re proudly Australia's first alternative and accessible unsecured small business lender.

Learn more about how our Capify Business Loans

Apply for a Business funding solution in 2 mins and get funded within 24 hours

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A flexible business finance solution that works with your cash flow.

Improve cashflow

Improve cash flow

Pay your bills or suppliers, and buy stock with ease regardless of seasonality or unpaid invoices.

Sales For Growth

Upgrade your business

Buy new equipment or renovate your store - invest in your business and improve efficiency!

Sales For Growth

Scale for growth

Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.

Tech & automation

Tech & automation

Spend less time on the day-to-day admin and more time on the important things in life.

Tax, BAS or GST

Tax, BAS or GST

Want to take advantage of ATO’s instant asset write-off? Got a surprise tax bill? No stress, we’ve got your back!

4 simple steps to get funded in 24 hours

Apply online

Apply online

Simple application that takes less than two minutes.

Talk to a human

Talk to a human

Receive a solution tailored to fit your business needs.

Provide documentation

Provide documentation

Get verified and approved quickly with minimum docs.

Receive your funds!

Receive your funds!

Get cash straight into your account within 24 hours.

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“I received an excellent service from Toni at Capify. She was very helpful & accommodating. I was given plenty of time to make my decision & Toni got my application approved pretty much the same day & at the time when I needed it the most. Highly Recommend.”

John - The Crow Bar

Check out our Knowledge Blog –

The Difference between a Capify Flex Loan or Business Loan, choose the right loan for your Business?

Capify Flex Loan


Read helpful articles around a range of topics

Capify FAQs


Find answers to the most frequently asked questions

Loan Calculator

Loan Calculator

Get a quick estimate on how much you can borrow