Frequently Asked Questions - Small Business Loans

Hi, how can we help?

The Capify Small Business Loans are specifically tailored to the needs of small business owners so the loan amount, rates and repayment terms are flexible. We can provide SME’s seeking quick access to unsecured funds up to $500,000 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, and with minimum paperwork required, once approved, the funds are in your account within 24 hours, not weeks or months.

Capify provides small business loans to Australian businesses who meet the following basic eligibility criteria;


– Must be a registered business with an active ABN
– Trading for minimum 6 months
– $10,000+ minimum monthly turnover
– Australian Citizen or Permanent Resident
– 18 years+ of age


Please note the above criteria allows us to start the application process. You’ll still need to meet our standard credit assessment criteria to get approved and funded.

Once you’ve submitted an application, and meet our elibility criteria, you could be approved within hours and have funded in your account within 24 hours.

All our loans are unsecured and do not require any security or assets.

No, we unfortunately, do not allow split payment between fixed and variable rates.