Unsecured Business Loans

1300 367 431

Check if you qualify for a Small Business Loan

Unlock your business’ growth and get up to $500,000 in as little as 24 hours.

*does not affect your credit score

No hidden fees

Australian account manager

Personalised & tailored service

Business loans to support your unique business needs

Secure a loan up to $500,000 giving you the financial flexibility to…

Improve cash flow

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

Scale for growth

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

Upgrade your business

Improve your equipment, train your team - invest in your business and improve efficiency!

Purchase stock or materials

Buy stock, materials or new equipment urgently needed to get your projects completed on time.

Our products

Discover how our innovative funding solutions are redefining what’s possible for growing businesses.

Unsecured Business Loan

Our Unsecured Business Loans are perfect for businesses looking to manage cash flow, cover expenses, fund marketing campaigns, purchase stock, or seize opportunities. With no need for collateral, these loans are designed for flexibility and simplicity, providing the capital needed in under 24 hours.

Hours to fund: 24 Hours

Merchant Cash Advance

Got an EFTPOS terminal or take daily online payments? Our Merchant Cash Advance provides a lump sum upfront, with repayments made daily as a percentage of future sales, adjusting to your cash flow. With no fixed terms or interest rates, it's a fast and flexible way to access working capital.

Hours to fund: 24 Hours

Access up to $500,000 with the speed and flexibility tailored to your business needs in just 24 hours.

Get fast, flexible funding today. 

Quick decisions, rapid funding.

Qualify instantly (30 seconds)

Discover your eligibility in no time, with zero hassle.

Get your decision in minutes

Receive a personalised offer designed just for your business.

Unsecured options

We offer unsecured loans tailored to your business needs.

Funds transferred within 24 hours

Once approved, enjoy fast access to your capital.

More and more businesses are turning to Capify for their funding needs

In today’s dynamic market, access to flexible, fast, and reliable funding is crucial. At Capify, we specialise in providing lightning quick tailored funding solutions that empower businesses to grow, adapt, and seize new opportunities. With Capify, you won’t have to wait weeks for funding, you can get funded within 24 hours.

Simple application

A quick, straightforward process that gets you going in seconds.

Funding within 24 hours

Access your funds swiftly upon approval, with the flexibility to top up as your needs grow.

No early repayment fees

Repay on your terms, with no penalties for settling early.

Every business is unique and so is our approach

Personalised support, tailored to your business

We’re truly passionate about helping businesses succeed. When you choose to borrow from us, you’ll have the unwavering support of a dedicated, highly-trained Account Manager, always ready to assist.

Don't just take our word for it...

Check out our customer reviews

The staff at Capify have always been professional, courteous and very helpful.
They were very patient with all the application requirements and assisted with documentation and other online information to ensure the application was finalized.

Highly Recommended Capify.
They do what they promised on their statement. To help the small business to access the funding, and they absolutely did that. Toni helped me with my business needs, she explained everything that I needed to know before making my decision. Her product knowledge, understanding, friendly and professionalism is close to none. Toni, you are such a great asset to Capify, keep up with the good work.

Dealing with the team at Capify has been Fast, Fun and incredibly Efficient
I could not recommend dealing with the team at Capify more highly. If you need a solution and an outcome fast, then give the team at Capify a try.

Fantastic Customer Service - super fast process
I have been dealing with Toni for the last 4 months or so. She has been very knowledgeable, helpful and very patient with my requests. All our dealings have been very pleasant. I wouldn’t want to have anyone else managing my account. Thankyou Toni 🙂

Easy and all sorted in less than 24 hours
Toni from Capify went above and beyond to help us get the funds we require for our business. She was really transparent with ways we could increase our chances for funding, which helped us secure the amount we needed. Thank you.

Get up to $500,000 in as little as 24 hours— fast, flexible funding when your business needs it most.

A history of funding businesses across the globe

Capify was founded in 2008 to support Australian businesses facing funding challenges during the financial crisis. With over 20 years of experience and over $2.3 billion funded, we provide straightforward, responsible financing solutions to help Australian & UK businesses thrive.

Funded over $2.3 billion

Supported over 20,000 businesses

Over 50% of our customers renew

We’ll give you a call

Just let us know your details and we’ll give you a call right away

Call us or Apply Online

A Funding Specialist will guide you every step of the way