Our quick and simple application can be filled out in minutes and approvals can be made in 60 seconds.
Note: From your Xero account Capify will access your business details along with financial information including organisation details, accounts, bank transactions, payments and bank transfers in order to assist in credit decision.
Unsecured funds up to $400k
Flexible repayment options
Terms from 3 to 12 months
60 second online application decision
Typically no financials required
Business Loan
Our business loan is a simple financing solution that can get you the working capital you want for your business. With high approvals and funding in days, our loan is perfect for business owners looking for flexibility.
Instead of monthly payments, the Capify business loan has a fixed, daily repayment schedule allowing you to better manage your cash flow and budget more effectively.
Is your business seasonal? No problem. Our "Flex" program can adjust to the highs and lows of your business cash flow.
Merchant Cash Advance
A Merchant Cash Advance is designed to match the cash flow of your business. Rather than fixed daily repayments, a small percentage of your credit card and EFTPOS sales is repaid daily for the term of your advance. This provides businesses with the flexibility to make lower repayments during slower periods
If your business has fluctuating cash flow, no problem - our Merchant Cash Advance adjusts to meet the daily needs of your business
What is Xero?
Xero is easy to use online accounting software that's designed specifically for small businesses.
It's all online, so you can work when and where you want to. Just login with your PC, Mac or mobile.
Your bank statements are automatically imported and categorized, letting you see your cashflow in real-time.
Invite your team and work together on financials. You can collaborate over your up-to-date numbers.
Xero has all you need to run your business - including invoicing, paying bills, sales tax returns, reporting and much more.
Connect your Xero organisation to Capify in 3 easy steps.
1. Click on "Connect to Xero" on the home page.
2. Login to your Xero account.
3. Choose your Xero organisation that you want to grant access to Capify and click "Authorise".