Working Capital Solution - Business Loans and Financing with Capify


Our working capital solutions help Small Businesses unlock the opportunities for growth and expansion by:

Working Capital for small business

Talk to Expert

We aim to understand your business needs and work 1-on-1 to offer the best solutions for you to succeed.

Fast Settlements

Apply within 2 minutes and get funds in your account within 24 hours if you qualify our criteria.

Over 14 years experience

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

Understanding Working Capital loans

How much working capital is needed for a business? Why is it essential for Business growth?

Benefits of getting Working Capital loans?

Purchase new equipments

Purchase new equipments

Buy Inventory, computers, machinery and other equipment urgently needed to complete your daily operations on time.

Business loans to Improve cash flow

Improve cash flow

Pay your bills or suppliers with ease regardless of seasonality or unpaid invoices.

Business loans to upgrade equipment

Remodel your business

Pay for making improvements structurally and aesthetically to attract a new target group.

Business loans to Scale up business

Scale for growth

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

Sales For Growth

Cover Seasonal Shortfalls

Restock products and employ short-term staff before the hectic season to bring in more income

Our Working Capital loans

Trusted by thousands of small Aussie businesses.

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

Borrowing capacity

Up 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 $200,000

Easy Repayments

Fixed, daily and weekly repayments that are easy on your cash flow


Fast and simple renewal process

So, which finance solution is right for your business?

Flexible working Capital Solutions to drive your business’s growth and better cash flow management. Choose a product that suits your industry and circumstances.

Capify Small Business Loans

Small Business Loans

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

Merchant cash advance

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 percentage of future sales.

small business loan

Unsecured Business Loans

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

New Capify secured finance

Capify Secured Finance

Take the advantage of borrowing larger amounts against your assets. Our secured loans provide low interest rates and flexible repayment terms.

4 simple steps to get funded 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.

Industries which can benefit from Working Capital Loans

We offer loans to a wide range of industries, many with different situations and cashflow purposes. Whether you sell online or operate out of a physical premises, we could help your business to prosper.

and many more…

Take one step closer to your dreams

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Check eligibility & get funded today*

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*Subject to Capify’s standard credit assessment criteria and terms & conditions.

We’re trusted by thousands of small and medium sized businesses.

We take pride in working with thousands of local businesses, and we really appreciate what they say about our products and services.


FAQs : Capify Working Capital Loans

We’ve compiled some of the most common questions asked by Australian small business owners so that you can have peace of mind and spend more time working on your dreams.

The Capify Working Capital Loans are specifically tailored to the needs of small business owners so the loan amount, rates and repayment terms are flexible. We can provide SME’s seeking quick access to unsecured funds up to $500,000 for any business purpose.

Unlike secured loans which require you to borrow against an asset such as a vehicle or property, our unsecured loans aren’t guaranteed, meaning you can borrow money for your business without the need for collateral or assets as security, and with minimum paperwork required, once approved, the funds are in your account within 24 hours, not weeks or months.

Capify provides small business loans to Australian businesses who meet the following basic eligibility criteria;


– Must be a registered business with an active ABN
– Trading for minimum 6 months
– $10,000+ minimum monthly turnover
– Australian Citizen or Permanent Resident
– 18 years+ of age


Please note the above criteria allows us to start the application process. You’ll still need to meet our standard credit assessment criteria to get approved and funded.

Once you’ve submitted an application, and meet our elibility criteria, you could be approved within hours and have funded in your account within 24 hours.

All our loans are unsecured and do not require any security or assets.

No, we unfortunately, do not allow split payment between fixed and variable rates.

Our repayment terms can be anywhere between 3 – 12 months, depending on what we’ve agreed upon with you. We pride ourselves on being a transparent and responsible lender, which is why before you go ahead with your contract, we provide you with a document outlining our fees and total payback.

The total payback figure is then broken into small daily repayments that our customers can afford as to not affect the day-to-day cash flow of their business. To learn more, contact our Loan specialist on 1300 760 930.

We understand running a business can be challenging. Get a quick eligibility quote today with no impact on your credit score

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