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Small Business Loans Australia

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Business Finance Australia

Capify is the first Australian unsecured small business lender and has been helping SMEs all over the country access responsible short-term finance from $5,000 to $300,000. Capify has contributed to the small business loan Australia economy by lending more than $650M so far in working capital financing.

 

According to the Australian Small Business and Family Enterprise Ombudsman, Small businesses account for 35% of Australia’s gross domestic profit and employ 44% of Australia’s workforce. Of the 877,744 total employing companies, 823,551 are small businesses (93.8%), and of those businesses, 627,932 are businesses that use only 1-4 people, known as micro-businesses (2019).

 

However, the main challenge facing small businesses, according to the ABFEO Small Business and Family Enterprise Ombudsman in Australia, is the late payments of customer invoices. Just over half of small businesses receive invoice payments late, with late payments arriving an average of 23 days after they are due, causing cash flow issues to the company.

 

Accessing external capital to support cash flow is also becoming more difficult, according to Kate Carnell from the ABFEO. In February 2019, the big banks lending to businesses decreased by 2.4%, and since February 2018 it has reduced by 3.3%. However, we have seen immense growth over the last decade, and more small businesses are looking to us instead of the banks to provide them with working capital.

 

We fund business loans in Australia with different credit criteria than what the banks use, we can also get you the funds within 24 hours, instead of weeks like ANZ, Commonwealth Bank, Westpac or NAB. Capify can also fund businesses with low credit scores and that have had previous unpaid defaults.

 

Speak to a lending specialist today on 1300 760 930 to get funds in 24 hours or start your application and apply for a business loan in Australia now.

 

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How Capify helps small businesses acquire funding in Australia?

Capify provides fast business loans in Perth and is one of Australia’s leading finance firms that obtain the purpose of providing funds and assistance to any business that require it.

 

We offer two types of loans of credit products, including; Merchant Cash Advance and Capify small business loan.

 

Capify is different from competitors with massive support in Australia, helping service brokers and providing easy access to unsecured business loans.

 

Capify is an alternative to the big banks like Commonwealth, ANZ, Westpac and does not offer a line of credit or interest rates; instead, they work with a fixed rate. Loan terms range from 3 months to 12 months, and their loan amounts range from $5,000-$300,00.

How could small businesses in Australia use Capify business funds?

  • Pay Bills
  • Marketing
  • Hiring extra staff
  • Purchasing Stock
  • Improve Cash Flow
  • Purchasing a Business car or Truck
  • Renovating or Expanding the business
  • Upgrading or Purchasing Equipment

Why choose Capify and a business loan Australia?

The great news is that Capify’s application costs are free, we don’t charge you when you submit an application for a small business loan Australia. It’s obligation-free and you can commit whenever you are ready.

A great financial product that Capify can provide is Merchant Cash Advance, where this revolves around businesses gaining a lump sum of money and repaying it through minor percentages of their EFTPOS transactions. This would greatly benefit the business as it would prevent cash flow shortages, thus they are able to have the cash to pay debt payments, expenses, and unexpected costs.

 

Furthermore, enterprises are also introduced to the option of Australian business loans that Capify can provide, increasing capital, thus increasing cash flow. Alongside this, they deliver expert advice that contains knowledge and techniques on how to improve cash management to assist in keeping your business as healthy as possible.

Capify is Australia’s first small business loan lender since 2008, we have built and maintained a google review of 4.5/5.

 

Speak to a lending specialist today on 1300 760 930 to get funds in 24 hours or start your application and apply now.

 

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FAQs

What are your interest rates?

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.

A  Capify business loan Melbourne can help you make your next purchase, fund growth, or manage cash flow for your business.

Does Capify have an office branch in Sydney?

How Capify helps small businesses acquire funding?

Capify provides fast business loans in Sydney and is one of Australia’s leading finance firms that obtain the purpose of providing funds and assistance to any type of business who require it.

We offer two types of loans or credit products including; Merchant Cash Advance and Capify small business loan.   Capify is different from competitors with their ideal Melbourne business loans, and their ability to see potential success in businesses without being bias as much as possible on previous credit ratings.   We are an alternative to the big bank and does not offer a line of credit or interest rates, instead, they work with a fixed rate. Loan terms range from 3 months to 12 months and their loan amounts range from $5,000-$300,00.

Capify is a fin-tech and purely operates online. We do not have a physical branch but have to staff Australia Wide.

Get Business finance $5,000–$300,000 online quick and simple small business funding

Complete the small business online loan application form to get started on getting business funding or call 1300 760 930.

Apply Now
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