Rating based on 7 reviews


  • Business loans up to $400,000
  • Fast cash access
  • Repayment up to 15 months

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Capify homepage
Author Capify. Screenshot of Capify website.
[Accessed May 24, 2023]

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.

Capify Services

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.

Capify – Business loan

  • Loan Type Business loans
  • Loan Amount up to $400,000
  • Repayment 90 days to 15 months
  • Decision same day

Benefits of Capify

  • Loans for small to medium businesses
  • Qualify for a loan up to $40,000
  • Repayment terms are up to 15 months

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.

Applying for credit for your small business with Capify is quick and easy

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.

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.

Understand all the terms and conditions

After your business loan application has been approved, you'll be given a contract agreement to read and sign. It's your responsibility to ensure that you have read and understood all the terms and conditions that are stipulated in the business loan agreement.

Will I be penalised for paying my business loan earlier than the required date?

There are no penalties if you pay your business loans sooner than the scheduled date. If anything, Capify encourages such behaviour because it shows them how dedicated you are towards paying your loan.

While the general requirements will have to be followed for a future business loan application, there are some brownie points you'll earn for showing such dedication.

If you have the money at your disposal and want to pay your loan off early, get in touch with Capify to discuss the finer points.

Customer Reviews & Testimonials

October 2018

I am so pleased to find such a great team of specialists at Capify. They made my business loan application so easy.

Emily U
— Dubbo —

March 2019

One business day was all it took for me to get feedback on my business loan application.

Allistar F
— Lismore —

January 2019

I qualified for a business loan with Capify after so many previous rejections from other financial providers. Thank you Capify.

Stephanie P
— Bunbury —

March 2019

Thanks to Capify, I got the financial startup I needed for my business.

Samatha H
— Perth —

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