About Capify

Capify is an alternative, online business credit provider that has been operating for a solid 13 years.

They have a good reputation among small business owners in Australia and offer several benefits you’ll find difficult to come across elsewhere.

These Benefits are:

  • Unsecured business loans
  • An end-to-end online loan application
  • Up to $400,000 in finance
  • A 60 second automatic loan pre-approval
  • Personalized customer service
  • Ability to easily redraw on loans
  • Three distinctive business credit types
  • Pay a lump sum for credit rather than monthly or daily interest
  • No application fees

Capify Offer 60 Second Funding Decisions

Using online technology and a quick online loan application, Capify is able to make and deliver 60 second loan decisions so busy business owners, such as yourself, can get on with doing what you do best while they do the rest!

Transparency from Start to Finish

Capify is one of those lenders that put a lot of effort into being transparent about all of their rates and fees – something which is truly commendable in the often secretive lending industry.

What Capify can offer you

Capify offer three distinctive business finance options which include a business line of credit, merchant finance and small business loans which offer quick credit for just about any business purpose.

Although they have 3 distinctive financial products they are willing to be flexible and will likely handcraft a business credit solution to meet your specific needs - if you request it of them.

Borrow from $5,000 to $400,000

This lender offers business finance that ranges from $5,000 to $400,000 – a range which is very similar to that offered by lenders to private individuals in the form of a personal loan.

One of the major differences between Capify and other business lenders is that the majority of their loans are unsecured.

Small Business Lines of Credit

This type of finance solution is ideal for small and medium sized businesses that has not stabilized their cash flow and require a flexible redraw facility.

Small Business Loan

Unlike other term loans which require a monthly repayment to be made, Capify will draw an agreed amount on a daily basis so that you can keep your cash flow healthy.

They also offer solutions to seasonal businesses in the form of their Flex product.

In a Nutshell

  •  Loan minimum $5,000
  •  Loan maximum $400,000
  •  Interest rate No interest – one lump sum payment
  •  Loan term minimum 3 months
  •  Loan term maximum 15 months
  •  Average processing time 48 to 72 hours
  •  Online application
  •  Unsecured loan option
  •  Secured loan option

Applying for Credit for your Small Business with Capify

Having delivered over $650 million worth of business credit to Australian owned SME’s, you can rest assured that this lender is reliable, trustworthy and flexible enough to meet your ever evolving business credit needs.

You can take a few minutes to read through their customer reviews, browse through their awards and just get to know the company you’re going to be dealing with.

A 4-Step Borrowing Process

Capify’s website clearly takes borrowers through the entire online loan application process and indicates all the information, details and supporting documents that need to be provided on application.

Who can Apply for Credit

If you own an Australian business that has been operating for 4 or more months and is registered with a minimum monthly turnover of $5,000 per month you can make your way to Capify’s website and make an online loan application.

What Docs you’ll Need to Provide

When applying for your business loan you will have to provide your ABS info, your details and a form of acceptable identification, 6 months bank statements and your business lease or rental agreement.

Other details and information must be provided while you’re filling in the application form.

Eligibility & Requirements

Other Products & Services

  • Small Business Loans

Here’s a short video about Capify

Contact Details

  •  1300 760 930
 Visit Website Apply Directly


 Physical Address

  • Level 3 10 Phillip Street, Parramatta, NSW, 2150, Australia

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 08:00 – 18:00
  •  Sunday 08:00 – 18:00