Fast Unsecured Business Loans and Finance Solutions for Small Businesses in Australia.

Quick and easy unsecured funding for small businesses, so you don’t need to put up assets as security.
Customer excited for the next stage of his business growth with the help of our small business loan

Talk to a Human

We’re always happy to work 1-on-1 to understand your situation and your business better.

Flexible Loan Options

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

15+ Years Experience

We’re proudly Australia's first alternative and accessible unsecured small business lender.

Trusted by thousands of small Aussie businesses.

We’ll work with you 1-on-1 for quick and fast availability of small business loans to suit your circumstances. Plus, because we adhere to the AFIA code of practice – our loans are unsecured, which means no assets or security required!

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 $250,000

Easy Repayments

Fixed daily repayments that are easy on your cash flow


Fast and simple renewal process

Learn more about how funding for small businesses work

Apply for unsecured funding for your business in 2 mins and get easy funding within 24 hours

Our unsecured business loan is the perfect way to get a quick cash injection.

Improve cashflow

Improve cash flow

Pay your bills or suppliers, and buy stock with ease regardless of seasonality or unpaid invoices.

Sales For Growth

Upgrade your business

Buy new equipment or renovate your store - invest in your business and improve efficiency!

Sales For Growth

Scale for growth

Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.

Tech & automation

Tech & automation

Spend less time on the day-to-day admin and more time on the important things in life.

Tax, BAS or GST

Tax, BAS or GST

Want to take advantage of ATO’s instant asset write-off? Got a surprise tax bill? No stress, we’ve got your back!

4 simple steps to get quick and easy funding in 24 hours

Apply online

Apply online

Simple application that takes less than two minutes.

Talk to a human

Talk to a human

Receive a solution tailored to fit your business needs.

Provide documentation

Provide documentation

Get verified and approved quickly with minimum docs.

Receive your funds!

Receive your funds!

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

Apply online in minutes

Ready to get a solution tailored for your business?

Capify funding solutions get started

Frequently Asked Questions

To apply for an unsecured business loan from Capify Australia, simply fill out our online application form. We’ll ask for some basic information such as:


– Must be a registered business with an active ABN

– Trading for a minimum of 6 months

– $10,000+ minimum monthly turnover

– Australian Citizen or Permanent Resident

– 18 years+ of age

Once we receive your application, we’ll review it and be in touch within 24 hours to let you know if you’re approved.

Small businesses can use an unsecured loan from Capify Australia for various purposes, including purchasing inventory, hiring staff, expanding their business, marketing, and more. We don’t place any restrictions on how you use the funds, so you’re free to put the money toward any business-related expense.

Our unsecured business loans come with a fixed, upfront fee that is determined based on factors such as the amount of the loan, the industry your business operates in, and your creditworthiness.  There are no hidden fees, and you’ll know exactly how much and when you need to pay from day one.

Yes, small businesses can make extra cash or EFT contributions to their outstanding balance for an unsecured loan from Capify Australia. We offer the flexibility to make additional payments at any time, which can help reduce your overall interest charges and shorten your repayment term.

Once your application has been approved, you can typically receive funding from Capify Australia within 24 hours. We understand that small businesses often need funds quickly to take advantage of opportunities or address unexpected expenses, so we strive to provide a fast, efficient funding process



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