Capify Business Loans

With more than 10 years of experience, Capify has been helping Australia’s small business owners reach new heights with their tailored funding solutions. The lender provides unsecured business loans which are flexible and accessible, and its simple application process makes getting funding a breeze.

Capify business loans - what you need to know

Capify offers short-term business loans (3 to 12 months) for a variety of small businesses. Below, we’ve collected some of the costs, features and other need-to-knows of a Capify business loan, so you can be completely informed before you sign up.

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FAQs about Capify

What is the interest rate on a Capify loan?

Unlike many business lenders, Capify doesn’t use interest rates when determining how much a business pays on top of the loan. Instead, it provides a total payback amount, which gives you a clear picture of exactly how much you’ll pay. The amount will vary as it depends on the type of business and the reason the funding is needed.

What fees are there?

While there is no application fee, you can expect a processing fee. This will vary depending on the size of the business loan.

  • Loans of up to $9,999 will come with a $349 fee
  • Loans of between $10,000 – $19,999 will come with a $449 fee
  • Loans of between $20,000 – $49,999 will come with a $549 fee
  • Loans of $50,000 or more will come with a $649 fee.

There is also an origination fee which will amount to 3% of the loan, plus a direct debit fee of $2.25.

What do I need to be eligible for a Capify business loan?

To be eligible for a loan from Capify, your business will need to tick a few boxes. It needs to have been operating for at least 6 months and have a minimum turnover of $10,000 a month.

How does the Capify approval process work?

The Capify application process will require a few documents. These include bank statements for the last 6-12 months (depending on the size of the loan), merchant statements for the last 4-6 months, driver’s license, and proof of ownership of the business.

Once your documents have been reviewed and your application has been approved - which should take no longer than a day - the funds should reach your account within 24 hours.


What features should I know about?
Borrow $5,000 to $300,000

Business owners looking to give their SME a boost can expect to receive between $5,000 and $300,000 in funding. Of course, the amount you’ll be eligible for will depend on things like your business’ monthly turnover.

Receive funding within 24 hours

Once you’ve been approved by Capify, you can expect to receive the requested funds within 24 hours. If your situation is urgent and you need the money sooner, you can contact Capify and see if a more timely payout can be arranged.

Unsecured loan

Getting a loan can be a headache if you don’t have any major assets to put up as security. Capify gets around this problem by providing unsecured business loans, giving business owners of all stripes the chance to receive funding.

Total payback amount

Capify provides borrowers with a total payback amount rather than an interest rate. This lays out exactly how much the loan will cost you, and remains fixed no matter how long it takes you to pay it off.

Small daily payments

Capify business loans are designed to be manageable and hassle-free. Instead of a hefty sum paid out at the end of the month, you’ll pay a small amount each day.

Merchant cash advance

In addition to business loans, Capify also offers merchant cash advances to accommodate for businesses with seasonal cash flow. Instead of the usual fixed daily repayments, your repayments will be deducted directly from your credit card and EFTPOS sales. This means you won’t be struggling to come up with the necessary cash during times when business is low. Just keep in mind that Capify’s merchant cash advances come with somewhat higher fees than its business loans.