The Faster, Flexible way to get Secured Loans

The Funding solution for your small business that you have been waiting for is finally here
Capify Secured Finance

Dedicated Funding Specialists

Consult a specialist to determine what loan terms fit your business best. We’re always happy to work 1-on-1 to understand your business needs.

Flexible Repayment terms

Enjoy flexibility with better terms and rates tailored to help you repay what you borrow while helping your business flourish.

15+ Years Experience

We’re Australia's trusted first alternative and accessible small business lender for over 15 Years. We understand small businesses better.

Capify Secured Finance made accessible for businesses that want to expand new opportunities

We heard you and came up with a product so that your business can borrow a large capital at better rates and at flexible repayment terms. When you need the finance to cover wages, tax, or simply to expand, often you need to access funds fast. We get that you don’t always have all the documentation the banks require or a fantastic credit file, and that’s ok, we offer low doc business loans.


We pride ourselves on offering some of the best highly rated customer services in Australia. When you need us, Capify’s got your back.

Borrowing capacity

From $50k to $1M (Larger loans always considered)

Interest rates

Interest from 1.5% per month

Flexible loan terms

From 6 months (the flexibility to not get locked in and pay as you go)

LVR rates

Up to 70% (Dependent on location and type of asset)

Fast approvals

Fast approvals & funding possible in 48 hours

Collateral options


See How Much You Could Borrow?

Estimate Borrowing Power

Our calculator will estimate lending amount based on the property value of your asset and the debt you are currently owing on it. 

Calculations are not a quote or pre-approval. Your actual interest rate and repayment amount will depend on a range of factors including the information you provide and our assessment of your application. 

**Disclaimer – Terms and conditions, fees and charges and credit criteria apply.

Capify Secured Finance solution that works for all your business needs

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 Easy Steps to get your secured loan today

Talk to a human

1. Initial inquiry

Customer submits Inquiry. After the costs have been approved by both parties, client needs to complete the application form.

Provide documentation

2. Valuation

Capify may request for a full valuation to be paid by the customer which can take 2-3 days.

Talk to a human

3. Letter of offer

Customer signs the letter of offer. Get verified quickly by submitting your supporting documents. This can take 1-2 days.


4. Legal

Customer is requested to pay Legal fees. Each client is required to have their own independent legal advice. Once the Loan documents are signed by Legal we set a settlement date in place.

Let's Get Started...

Leave the basic details of your business below and one of our friendly Lending Specialists will get in touch with you to discuss how you can get funds quickly to flourish your business.

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First Name*
last Name*

*Subject to Capify’s standard credit assessment criteria and terms & conditions.

Don't take our word for it. Hear what our customers say

“Robert from Capify was amazing and made the process easy, simple and we got approval for the money we needed within hours. The funds were in our account the next day. Definitely needed this and the repayments are broken down into business day repayments which just makes so much sense. Thanks, Robert and the team.”

John - The Crow Bar

Secured solutions tailored for all your small business needs

Here are even more reasons to love Capify Secured finance. Works for all your business requirements

Bridging Finance

Cash out

Notice to complete

Distressed construction loans

Caveat Loans

Check out our Knowledge Blog –

How are Business Loans Secured and are they a good option?

Business owner applying for one of Capifys flexible business finance solutions

We’ll go the extra mile to find a solution for you

Frequently Asked Questions

A secured business loan requires collateral to be pledged by the borrower as a form of security against the loan. In contrast, an unsecured loan does not require collateral and is based solely on the borrower’s creditworthiness. Secured loans can provide lower interest rates and higher loan amounts, but also carry the risk of losing the collateral if the borrower defaults on the loan.

You can apply for a secured commercial or small business loan from Capify by filling out an online application form on our website. We will review your application and let you know if you are approved within a few days.

A secured business loan from Capify can help grow your business by providing the funding needed to invest in new equipment, purchase inventory, hire additional staff, expand operations, and more. With a secured loan, you can access larger loan amounts at more competitive interest rates than with an unsecured loan.

Capify understands that not all businesses have perfect credit histories. We evaluate each loan application on a case-by-case basis and take into consideration the overall financial health of the business, including credit history. While bad credit may limit your loan options, we may still be able to offer you a secured loan solution.

Capify accepts a wide range of security options for our secured business loans, including commercial property, residential property, vehicles, and equipment. The type of security required may vary depending on the loan amount, purpose, and other factors. Our lending specialists will work with you to determine the most suitable security option for your business loan