Small Business Loans,
so you can get on with business
24,051+
SMEs have accessed unsecured business funding with us
15,437+
customers have already returned to us as their lender of choice
$650+ million
of working capital provided
Alternative and responsible lending, calculated on your business income.
No financials, tax returns, BAS or business plans for loans under $70,000.
Easy application process with 24 hour turnaround for conditional approvals.
Terms from 3 to 12 months with an easy renewal process.
Capify is known to do things a little differently. We get to know each of our customers and tailor a funding and repayment plan to best benefit their business – there’s not one formula that fits all. Some would call it a crafted product, we just call it flexibility.
Use the calculator to see how much business finance you could qualify for. You may be pleasantly surprised.
What is your business gross earnings per annum
Applying only takes minutes. You can apply by using the link below or contacting us on
Apply nowAfter learning more about you and your business we can have you pre approved within 24 hours.
Or call 1300 760 930
Experience. We pioneered alternative lending for unsecured business funding in Australia in 2008. We’ve been creating unique products ever since.
Capify offers two products that work with your small business:
Merchant Cash Advance
Business Loan
To apply only takes minutes and pre approval will be given within 24 hours. However, this time frame is dependent on receiving the required documents in a timely manner.
It’s free! We don’t charge our customers any fees to submit an application. It is completely obligation-free and you can choose to commit whenever you are ready.
We support businesses from all industries and we have proven examples of customers that have successfully grown their business through our lending methods. Some industries include:
Capify can lend from $5,000 to $300,000 in unsecured business funding to SMEs. The repayment terms are flexible and depend on the monthly turnover of your business. Terms range from 3 months to 12 months.
Once your application has been approved, and you’re guaranteed a business loan we can have the funds in your nominated account within 48 hours for most cases. If your case is urgent we will work out a solution that works in your favour.
You can use the cash for any business purpose you like. A few ways our customers have used the funds:
Yes they are, no collateral or assets are required, the only requirement is a personal guarantee by the majority owner of the business.
We don’t use interest rates for our funding solutions. Instead Capify offers an agreed total payback amount. The payback amount depends on the type of business you operate and the term you require the business finance for. This way your business knows up front the total costs, making managing your cash flow easy.
