You shouldn’t have to worry about cash flow...

That's why we provide hard-working Aussie business owners with;

Expert advice

Fast access to funds

Peace of mind

Talk to a Human

Our team are always happy to work 1-on-1 to understand your situation better.

Flexible Payment Options

We have a range of products and can tailor a solution to suit your needs.

Over 13 Years Experience

We are proudly Australia’s first alternative and accessible unsecured lender.

So, which option is right for your business?

Merchant Cash Advance

Got an EFTPOS machine or take daily online payments? A Merchant Cash Advance can give you the quick cash flow you need with flexible payment options based on a percentage of future sales.

Small Business Loan

Don’t take daily payments but still have a monthly turnover over $10k? Our unsecured small business loans are short term and don’t require assets for security.   

Flexible solutions to meet your business needs

Funding amount

Up to $500,000

Short term

3 to 12 months

Minimal paperwork

No financials, tax returns or BAS for loans under $75,000

Quick approvals

Same day approvals & funding possible in 24 hours

Borrowing capacity

Up to 150% of your business's average monthly turnover


Easy repayments

Flexible repayment options available

Unsecured business loan

No assets or collateral required as security

Effortless renewals

Fast and simple renewal process

4 simple steps to get funded within 24 hours

Step 4

Receive funds in account within 24 hours if 


Step 2

Call with lending specialist to learn about personalised solution.

Step 3

Provide all documentation for verification and 


Step 1

Complete online enquiry. There is no credit check for pre-approvals.

"Capify has been insurmountable in helping our business progress forward. Very easy to deal with and staff are very helpful. Would absolutely recommend them."

Kerry Evans

Owner | Auto Pit Stop

Does my business qualify? 

Check requirements below to see which Capify business loan you may qualify for.

Merchant Cash Advance

Small Business Loan

A minimum of 3 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

A minimum of 12 months in business and $10,000 monthly turnover or

A minimum of 6 months in business and

$20,000 monthly turnover

Must be an Australian citizen or permanent resident

Registered business ABN or ACN

Please note that an existing unsecured loan balance may affect the outcome of your application, along with your credit score.

Let's get started....

By submitting an enquiry, you are agreeing to Capify's privacy policy and terms of use.

If you'd like to talk to a business lending specialist to help you find a solution that suits your needs, simply call us on 1300 760 930.


^ Subject to Capify’s standard credit assessment.