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.
Our most versatile option allows you to borrow funds against future credit card sales.
We’re always happy to work 1-on-1 to understand your situation and your business better.
We have a range of products and can tailor a solution to suit your small business needs.
We’re proudly Australia's first alternative and accessible unsecured small business lender.
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
Apply for your Merchant Cash Advance in 2 mins and get funded within 24 hours
Pay your bills or suppliers, and buy stock with ease regardless of seasonality or unpaid invoices.
Buy new equipment or renovate your store - invest in your business and improve efficiency!
Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.
Spend less time on the day-to-day admin and more time on the important things in life.
Want to take advantage of ATO’s instant asset write-off? Got a surprise tax bill? No stress, we’ve got your back!
Simple application that takes less than two minutes.
Receive a solution tailored to fit your business needs.
Get verified and approved quickly with minimum docs.
Get cash straight into your account within 24 hours.
“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
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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Get a quick estimate on how much you can borrow