1300 760 930 Customer Login

Access business Loan funding $5,000–$300,000

Small Business Loans,
so you can get on with business

Improve cash flow
Renovate or expand
Buy new equipment
Boost staff
Purchase stock
Any business purpose  
Get started today!

For 10+ years Capify has partnered with
businesses to achieve their goals

SMEs have accessed unsecured business funding with us

customers have already returned to us as their lender of choice

$650+ million
of working capital provided

What you can count on from us

business loans

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.

How can the funds
be used?

  • Improve cash flow
  • Renovate or expand
  • Buy new equipment
  • Boost staff
  • Purchase stock
  • Any business purpose

Where's the
repayment calculator?

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.

How much business finance could you qualify for

What is your business gross earnings per annum

We make
it simple


Applying only takes minutes. You can apply by using the link below or contacting us on

1300 760 930

Apply now

Pre Approval

After learning more about you and your business we can have you pre approved within 24 hours.

Funds within
48 hours

The best part – once approved, your business loan is guaranteed and the funds are in your account within days.

You don’t need to take our word for it

Apply anytime, anywhere

  • No application fee
  • No obligation
  • See how much you qualify for


About Capify
What can Capify offer that no one else can?

Experience. We pioneered alternative lending for unsecured business funding in Australia in 2008. We’ve been creating unique products ever since.

  • Unsecured funding up to $300,000
  • Easy application
  • We do loans others don’t
  • No application fees
  • Flexible repayment and renewal options
What products do you offer?

Capify offers two products that work with your small business:

Merchant Cash Advance

  • For businesses that accept credit card/EFTPOS sales.
  • Get access to a lump sum amount where repayments are debited on a daily basis.
  • No fixed monthly repayment requirements which means your cash flow isn’t heavily affected.

Business Loan

  • A suitable product for any business and doesn’t require credit card/EFTPOS processing.
  • Get access to a lump sum amount where repayments are debited on a daily basis.
  • No fixed monthly repayment requirements which means your cash flow isn’t heavily affected.
How long does the approval process take?

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.

What information is required to apply?
  • Bank statements for the last 6 months or 6-12 depending on deal size
  • Merchant statements for the last 4 to 6 months
  • Driver’s license for the owner of the business
  • Proof of ownership
  • Operating for a minimum of 6 months.
  • Minimum turnover of at least $10,000 a month
What are the application costs?

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.

What industries do you lend to?

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:

  • Retail & Fashion
  • Hair & Beauty
  • Hospitality
  • Automotive
  • Real Estate
  • Manufacturing
  • Trade & Labour
  • Cleaning Services
  • Many more
About the loan
What are your loan amounts and terms?

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.

How fast can I receive the business finance?

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.

How can I use the funds?

You can use the cash for any business purpose you like. A few ways our customers have used the funds:

Are your funding solutions unsecured?

Yes they are, no collateral or assets are required, the only requirement is a personal guarantee by the majority owner of the business.

What is the interest rate?

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.

Copyright © 2020 Capify Australia PTY LIMITED (ABN 38 630 469 117) trading as Capify. All Rights Reserved.