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Capify Merchant Cash Advance

Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.

Cashflow LoansWorking Capital FinanceBusiness Loans
Source dated 23 Sept 2026
Amount
$5K to $500K
Term
3 mths to 1 yr
Rate
Rate available on application
Security
Unsecured
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Product details

As published by Capify. Details not published by the lender are marked.

Loan amount
$5K to $500K
Rate
Rate available on application
Term
3 mths to 1 yr
Security
Unsecured
Structure
Other
Repayment frequency
Daily
Time trading
2+ months in business
Turnover
$10K+ monthly turnover
Documents
No financials, tax returns or BAS needed for advances under $75K
Funding time
Same-day approvals; funding possible within 24 hours
Restrictions
At least 15 card settlements a month; registered ABN or ACN; owner an Australian citizen or permanent resident
How to apply
Direct with the lender, or through us
Not published by Capify
rate type, fees, early repayment, guarantees
Suitable purposes
Cash flow

About Merchant Cash Advance

Capify publishes these details for Merchant Cash Advance: structure other; loan amount $5K to $500K; term 3 mths to 1 yr; security unsecured; time trading 2+ months in business; turnover $10K+ monthly turnover. Not published by Capify for this product: maximum LVR, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Capify products

  • Secured Business Loan: Structure is other here and term loan for Secured Business Loan; Capify publishes loan amount ($5K to $500K) for this product but not for Secured Business Loan; Capify publishes term (3 mths to 1 yr) for this product but not for Secured Business Loan; security is unsecured here and secured for Secured Business Loan.
  • Unsecured Business Loan: Structure is other here and term loan for Unsecured Business Loan; time trading is 2+ months in business here and 6+ months trading for Unsecured Business Loan; documentation is no financials, tax returns or BAS needed for advances under $75K here and last 12 months bank statements for the main account, front and back of owner's ID, and statement cover page (loans under $150K) for Unsecured Business Loan; funding time is same-day approvals; funding possible within 24 hours here and funds within 24 hours once approved for Unsecured Business Loan.

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Source dated 23 Sept 2026
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