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Capify Unsecured Business Loan

Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.

Business LoansCashflow LoansWorking Capital Finance
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 applicationFactor rate based on risk, daily balance, gross monthly sales and credit score
Rate type
Factor rate
Term
3 mths to 1 yr
Security
Unsecured
Structure
Term loan
Fees
Origination and processing fees apply if you proceed with a full application · No early repayment fees
Repayment frequency
Daily
Early repayment
No early repayment fees
Time trading
6+ months trading
Turnover
$10K+ monthly turnover
Documents
Last 12 months bank statements for the main account, front and back of owner's ID, and statement cover page (loans under $150K)
Guarantees
Personal guarantee from the majority owner
Funding time
Funds within 24 hours once approved
Restrictions
Registered business with an active ABN; owner 18+ and an Australian citizen or permanent resident
How to apply
Direct with the lender, or through us
Suitable purposes
Cash flowGrowthEquipmentStock

About Unsecured Business Loan

Capify publishes these details for Unsecured Business Loan: structure term loan; loan amount $5K to $500K; term 3 mths to 1 yr; security unsecured; time trading 6+ months trading; turnover $10K+ monthly turnover. Not published by Capify for this product: maximum LVR. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Capify products

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

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More from 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.

Amount
$5K to $500K
Term
3 mths to 1 yr
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily
Trading
2+ months in business
Source dated 23 Sept 2026
Details for Capify Merchant Cash Advance

Secured Business Loan

Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.

Amount
Not published
Term
Not published
Security
Secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Capify Secured Business Loan

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