Unsecured Business Loan
A business loan with no collateral needed, with funds transferred within 24 hours of approval, according to Capify.
More on business loans →Non-BankAustraliaLast reviewed 23 Oct 2026
Capify Australia
Business loans, eligibility and contact details
In a nutshell
Capify is an Australian non-bank business lender, founded in 2008, offering unsecured and secured business loans of up to $2 million or more. It says decisions can come in minutes and funds within 24 hours of approval, with no early repayment fees.
About Capify Australia
Capify was founded in 2008 to support Australian businesses facing funding challenges during the financial crisis. Capify is a trademark licensed to Ausvance Capital II Pty Limited. It says it has funded more than $2.3 billion and supported more than 20,000 businesses, and that more than half its customers renew.
Capify offers unsecured business loans that need no collateral, and secured business loans for larger amounts. It says you can check your eligibility in 30 seconds without affecting your credit score, get a decision in minutes, and repay early with no penalties.
Finance offered by Capify Australia
Secured Business Loan
Larger business loans of up to $2 million or more, secured against assets, with funding in 24 to 48 hours according to Capify.
For brokers
Are you a broker?
Join our broker marketplace. Refer business finance deals to specialist brokers, and get deals referred to you.
Is Capify Australia the right fit for your business?
Capify usually suits established small businesses that want a quick decision on an unsecured loan, or a larger secured loan, with the option to repay early without penalties.
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 1800 177 240, 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: 1800 177 240
Mon–Fri, 9am–6pm AEST/AEDT
Capify Australia FAQs
Is Capify a bank?
No. Capify is a non-bank business lender. Capify is a trademark licensed to Ausvance Capital II Pty Limited.
How much can I borrow from Capify?
Capify offers business loans of up to $2 million or more, across unsecured and secured options.
How fast is a Capify loan?
Capify says you can check eligibility in 30 seconds, get a decision in minutes, and receive funds within 24 hours of approval for unsecured loans, or 24 to 48 hours for secured loans.
Does checking eligibility with Capify affect my credit score?
Capify says its 30-second eligibility check doesn't affect your credit score.
Can I repay a Capify loan early?
Yes. Capify says there are no early repayment fees or penalties for settling early.
How do I contact Capify?
You can call Capify on 1300 760 930, or apply through capify.com.au.
Can Splendid help me with a Capify loan?
Yes, we work with Capify Australia, but we recommend speaking to us to see if Capify Australia 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.
Capify Australia contact details
Website
capify.com.auPhone
1300 760 930
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See all business lenders →Splendid Financing is an independent finance broker and is not affiliated with Capify Australia. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on Capify Australia's published information, checked 23 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.