Need funds to sustain and grow your business?

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Check eligibility & get funded today

You could be eligible for a business loan between $5,000 - $300,000 with finance available for almost any business purpose within 24hrs.

Apply online to check if you qualify without impacting your business credit score.




We can get you the funds you need when you need it.


Fast, convenient application with funds sent the same day.


We can get you approved with loan terns that suits you and your business

A cash injection to help you push your business forward

Get a quick eligibility quote online with no impact on your credit file when you apply for a business loan from Capify.

The Capify business loan is designed to provide much-needed working capital to small business owners no matter their credit score. 

We’ve helped thousands of small businesses across Australia fulfil their business ambitions.

Loans are available from between $5,000 and $300,000+ for any business purpose. So whether you’re looking for finance to purchase stock, renovate your premises, raise cashflow or to purchase new machinery, a Capify business loan could be right for you.

Get started and help boost your business from today


Check if you qualify in 60 seconds

Complete our online application to check your business eligibility without affecting your credit score.^


Complete your loan application

Tell us about you and your business, along with providing all the necessary documents we need to make a decision.


Decisions within 24 hours

We'll review your application and aim to give you a decision within 24 hours.


Your funds arrive

Once your agreement is agreed and signed you could have the funds in your account that same day.

Alternative finance for small businesses

What is an unsecured business loan?

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

What is a merchant cash advance

If you’ve got exciting plans to grow your business, a Merchant Cash Advance (MCA) could be the perfect solution.

A merchant cash advance (MCA) is a lump sum payment to a qualified small business in exchange for a percentage of future credit card and/or debit card sales.

As an alternative to traditional business finance, the MCA is designed to match the cash flow of your business, so rather than fixed daily repayments, a small percentage of the businesses credit card and EFTPOS terminal sales are repaid daily for the term of the Cash Advance to coincide with the cash flow of your business.

It’s 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

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 future.

Does my business qualify for a loan?

 Registered business ABN or ACN

 A minimum of 12 months in business

 A minimum of $20,000 monthly turnover

Take control of your business today

Our dedicated credit specialists are here to help you with tailored loan options based on your individual needs.


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Please note after form submission, Clipboard will refer you to Capify Australia PTY LIMITED (ABN 38 630 469 117). 
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