Need flexibility? Meet the Merchant Cash Advance...

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

Hospitality business owner happy after being approved for a Merchant Cash Advance

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.

13+ 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


Fast and simple renewal process

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

Improve cash flow

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

Upgrade your business

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

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

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

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

Simple application with no credit check for pre-approvals.

Talk to a human

Receive a solution tailored to fit your business needs.

Minimum documentation

Get verified and approved quickly with minimum docs.

Receive your funds!

Get cash straight into your account within 24 hours.

Capify Success Story - Crow Bar
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“Capify worked for us to make our vision a reality.”

John - The Crow Bar

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Ready to smash your small business goals?

Business owner applying for one of Capifys flexible business finance solutions


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