Unsecured business loans
Short-term loans for wages, rent and cash flow, from $10K to $500K.
More on business loans →Non-BankSydney, NSW, AustraliaLast reviewed 27 Oct 2026
Capflow
Business loans, eligibility and contact details
In a nutshell
Capflow is a Sydney-based lender offering fast unsecured business loans of $10,000 to $500,000 over 3 to 12 months. It assesses real trading and cash flow rather than security, usually decides within 24 hours and can fund the same day. You need an active ABN, 6+ months trading, $10K+ monthly revenue and GST registration.
About Capflow
Capflow provides fast cash flow and bridging funding to Australian businesses that don't fit bank criteria, based on their real trading performance. It's based on Clarence Street in Sydney and lends nationwide.
Its unsecured business loans range from $10,000 to $500,000 over 3 to 12 months, for wages, rent, cash flow and other needs. There's no upfront security, the online application takes minutes, most eligible applications get a decision within 24 hours, and funds are often deposited the same day once documents are signed. Capflow says it has a 70% approval rate. Brokers, accountants and advisers can apply on behalf of clients.
Finance offered by Capflow
Eligibility and documents
Who Capflow lends to
- Active ABN or ACN
- 6+ months in business
- $10,000+ monthly revenue
- GST registered
All lending is subject to the lender's credit criteria and assessment.
For brokers
Are you a broker?
Join our broker marketplace. Refer business finance deals to specialist brokers, and get deals referred to you.
Is Capflow the right fit for your business?
Capflow usually suits established small businesses with steady revenue that need a quick unsecured loan, including those a bank has declined.
Every business is different. Rather than applying to one lender, talk to us. Your broker, backed by our proprietary AI lender matching, looks at the lenders on our panel that offer the finance you need and seeks multiple options for you.
- One conversation, no obligation
- We seek multiple lender options for you
- Business finance from $30,000
Prefer to talk now? Call 0468 060 969, Mon–Fri, 9am–6pm AEST/AEDT.
Get your funding options
Tell us what you need and we'll call you back, usually within 1–2 hours during business hours. No obligation.
Call us now: 0468 060 969
Mon–Fri, 9am–6pm AEST/AEDT
Capflow FAQs
How much can I borrow from Capflow?
Capflow lends $10,000 to $500,000, unsecured.
What are Capflow's eligibility criteria?
An active ABN or ACN, at least 6 months in business, $10,000 or more in monthly revenue, and GST registration.
How fast is Capflow?
Most eligible applications get a decision within 24 hours, and funds are often deposited the same day once documents are signed.
How do I contact Capflow?
You can call 1300 227 356 or email info@capflow.com.au. Its office is at Suite 1301, 55 Clarence Street, Sydney.
Can Splendid help me with a Capflow loan?
Yes, we work with Capflow, but we recommend speaking to us to see if Capflow is the right fit for your specific needs. We work with over 100 lenders, so there might be other options that suit your situation better.
Capflow contact details
Similar lenders
ABL CorpNon-BankView profile →ABR FinanceNon-BankView profile →
Australian Business CreditNon-BankView profile →
Banjo LoansNon-BankView profile →
See all business lenders →Splendid Financing is an independent finance broker and is not affiliated with Capflow. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on Capflow's published information, checked 27 Oct 2026. It isn't a recommendation or credit advice. Products, criteria and features can change, and all lending is subject to the lender's credit criteria and assessment.