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.

Capify offers 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 leaders 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 have not stabilized their cash flow and require a flexible redraw facility. 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.