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What are your loan amounts and terms?

Capify can lend your business from $5,000 to $300,000 in unsecured small 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 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 approval to access your banking information or required documents in a timely manner.

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 24 hours for most cases. If your case is urgent we will work out a solution that works in your favour.

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.
  • A business that uses ANY BRAND credit card/EFTPOS machine – such as Tyro, NAB, Commonwealth Bank, ANZ Bank, Suncorp, Westpac, St George, etc.
  • Get access to a lump sum amount where repayments are debited on a daily basis.
  • No fixed monthly repayment requirements which mean your cash flow isn’t heavily affected.

Small Business Loan

  • A suitable product for any business and doesn’t require a 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 mean, your cash flow isn’t heavily affected.
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
  • Medical
  • Hospitality
  • Automotive
  • Real Estate
  • Manufacturing
  • Trade & Labour
  • Cleaning Services
  • Many more
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:

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
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.

If you have a question that doesn’t appear here, you can call us on 1300 760 930.

Apply anytime, anywhere

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

Still have questions?

See our FAQs

Chances are someone else has had the same question and the answer will be in our FAQs.

Call us

Call us between
8:00am – 6:00pm (AEST) Monday – Friday

1300 760 930

Copyright © 2019 Capify Australia PTY LIMITED (ABN 38 630 469 117) trading as Capify. All Rights Reserved.