Rating based on 28 reviews


  • Business loans up to $300,000
  • Same day approvals
  • Repayment up to 12 months

In-page navigation

Capify homepage
Author Capify. Screenshot of Capify website.
[Accessed March 16, 2023]

About Capify

Do you need urgent finance for your small business?

Launched over 12 years ago with the intention to offer small to medium businesses a different option to accessible lending. Their vision is to provide businesses with tailored, responsible, quick, and simple access to business funding.

With a focus on customer service, Capify is looking for ways to improve their business including product development and diversification, dedicated to becoming Australia’s number one alternative lender in the small business market.

Build the future your business deserves with a very well-equipped business loan from a highly experienced lender that recently launched a unique Merchant Cash Advance solution designed to enable businesses to borrow against their future credit card transactions.

Innovative and sophisticated finance

Streamlining their internal processes and finding the most flexible and accessible business loans distributing time and cost savings to their clients. Capify is the most experienced stand-in lender in Australia for small businesses and is constantly developing new and innovative business products to help small business owners thrive and grow the way they are supposed to.

Capify will always make sure that you are comfortable with the terms and repayments of the loan they offer you, this is why thousands of Aussie business owners have continuously renewed their business loans with Capify over and over. 

Capify Services

Access the perfect funding for your business through Capify.

Borrow an unsecured tailored loan amount up to $500,00 over 3 to 13 months and access the funds within 24 hours.

Enjoy a specific loan amount, interest rate, and repayment terms that are matched with your budget and unique business needs. They offer a great daily repayment option allowing you to easily budget and manage your business loan, this is specially designed to aid your business activities and not to have a major impact on your cash flow.

You can get approved quickly 

  • Paying salaries.
  • Hiring new employees when you are expanding your business.
  • Buying stock and inventory when there is a huge sale.
  • Marketing and advertising expenses.
  • Replacing or buying equipment or software like laptops, machinery, tools, etc
  • Cash flow.
  • And more.

Merchant cash advance

This is a perfect solution if you have exciting plans to grow your business! Get a lump-sum payment in exchange for a percentage of your future credit card and/or debit card sales.

Capify – Business loan

  • Loan Type Business loans
  • Loan Amount up to $300,000
  • Repayment 3 months to 12 months

Benefits of Capify

  • Fast approval
  • Fixed daily repayments
  • Unsecured business loans

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Captify Business Loans, Australia's business building partner.

Merchant Cash Advance (MCA) Benefits:

  • Free up cash flow.
  • No security is required.
  • Minimum paperwork (low doc loan).
  • No financials, tax returns, or BAS for loans under $75,000 in most cases.
  • Small daily direct repayments.
  • Access up to $500,000.

How to apply

Eligibility criteria

  • Your business has been operating for a minimum of 6 months.
  • Current ACN/ABN.
  • Bank Statements.
  • A minimum gross sales amount of $10,000.
  • Able to provide proof of ownership.
  • The loan amount you need with a breakdown of how you will be utilizing the funds.
  • Able to provide a breakdown of how you are planning to repay the loan amount.

Quick application process

Step 1: Provide them with all the needed information about yourself and your business.

Step 2: They will then verify your information to see what they can offer you.

Your application will usually be assessed based on your business cash flows and your creditworthiness.

Step 3: Once your online loan application is approved, they will then deposit the funds in your account within 24 hours.

Benefits of a Capify small business loan

  • Quick approval as they work very hard to get you what you need speedily.
  • Great rates that are very competitive in the business finance market.
  • Minimum paperwork to make it simple and convenient for you, they understand how busy business owners can be.
  • Impeccable customer service delivery.
  • No security is required, so you don’t have to risk your house or car, or business property to secure a loan with them.
  • Small daily repayments make it easy for you to manage and plan your business budget.
  • Access funds within 24 hours!
  • Safe and secure loans.
  • Fast application.

Customer Reviews & Testimonials

March 2019

I don’t think I could’ve gotten a better business loan anywhere else other than from Capify. The best part is they structured my repayments in a way that I could easily afford.

Willow E
— Gold Coast —

April 2019

When I need a business loan, I always turn to Capify because they don’t take forever to pay out your cash; within hours you’ll have it!

Jake M
— Launceston —

Capify Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday 10:00 – 14:30
  • Sunday – Closed