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Need Flexibility?  Meet the Merchant Cash Advance, created for Small Businesses in Australia..

Our most versatile option allows you to borrow funds against future credit card sales.

Capify Merchant Cash Advance Australia

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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.

Trusted by thousands of small Aussie businesses.

The MCA is designed to match the cash flow of your business, so rather than taking fixed payments from your bank account, a small percentage of your POS terminal sales are repaid daily for the term of the cash advance. It’s a great flexible business loan option.

Borrowing capacity

$5,000 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 are easy on your cash flow

Renewals

Fast and simple renewal process

Learn more about how cash flow funding works

Apply for your Merchant Cash Advance 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 merchant cash advance 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 –

Is Merchant Cash Advance right for your Business?

Capify- Merchant Cash Advance

Frequently Asked Questions

A merchant cash advance is a type of business financing that provides a lump sum payment in exchange for a percentage of future sales. Unlike traditional loans, there is no fixed repayment term or interest rate. Instead, a small percentage of the businesses’ credit card and EFTPOS terminal sales are repaid daily for the term of the cash advance. This can be a useful option for businesses that have irregular cash flows or are unable to secure traditional financing.

Capify Australia offers cash advances to a variety of small businesses. Eligibility will depend on factors such as the business’s credit history, revenue, and industry. Capify takes a holistic approach to assessing eligibility, so even if a business has been turned down for traditional financing in the past, it may still be eligible for a cash advance.

The amount that a small business can borrow as a cash advance from Capify Australia will depend on a variety of factors, including the business’s credit history, revenue, and industry. Capify offers cash advances from $5,000 up to $500,000.

The duration of a cash advance loan from Capify Australia typically ranges from 3 to 12 months, although this may vary depending on the specific terms of the advance.

Capify Australia offers cash advances to a variety of small businesses. Capify takes a holistic approach to assessing eligibility by observing the following requirements:

 

– A minimum of 2 months in business and $10,000 monthly turnover

– A minimum of 15 credit or debit card settlements a month

– Must be an Australian citizen or permanent resident

– Registered business ABN or ACN

 

So even if a business has been turned down for traditional financing in the past, it may still be eligible for a cash advance.

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