Non-bank SME lender
Capflow
Capflow is a non-bank lender offering unsecured working capital loans to Australian small and medium businesses. Check whether Capflow fits your client's scenario before you call.
Products
Term loan
Lender overview
Capflow working capital loans for SMEs
About Capflow
Capflow is an Australian business finance provider that lends to small and medium businesses. It describes its mission as delivering fast, flexible finance when it matters most, with cash flow and bridging solutions based on a business's real trading performance. Capflow says it is not a bank and doesn't provide consumer credit; it lends to businesses for commercial purposes only.
How Capflow lends
Capflow offers unsecured working capital, which it says means no upfront property security is required. Rather than relying heavily on property security, long trading history or rigid credit scoring, Capflow says it looks at a business's current performance, including recent revenue, transaction patterns and day-to-day operations. It positions itself for actively trading businesses with consistent revenue, including some that haven't met traditional bank criteria. Applications are made online or through a partner, and funding is subject to Capflow's assessment and approval.
Capflow products
Unsecured business loan: short-term working capital repaid over a set term. Capflow promotes it for cash flow, payroll, stock, equipment, supplier payments, expansion and debt consolidation.
Working with Capflow as a broker
Capflow runs a Partner Program for finance brokers, accountants, bookkeepers, financial advisers and other introducers who work with established Australian businesses. Partners submit deals through Capflow's broker portal, and Capflow says partners get direct access to people empowered to make decisions, clear feedback on applications and support from submission through to settlement. Capflow doesn't publish its commission terms; contact its partner team for details.
What your client will usually need
Active ABN or ACN
GST registration
Business details and trading information for the application
Supporting documents requested by Capflow before funds are released
Is Capflow the right fit for your client?
Loan amounts, terms, minimum trading history and turnover change over time, and every lender sets its own policy on credit, industry and security. Enter your client's scenario in Visro to see whether Capflow fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Capflow FAQs
Is Capflow a bank?
No. Capflow says it is not a bank and provides business finance to Australian businesses.
Does Capflow work with brokers?
Yes, through its Partner Program, with deals submitted through its broker portal.
Does Capflow pay broker commission?
Capflow doesn't publish commission terms. Contact its partner team for details.
Are Capflow loans secured?
Capflow offers unsecured working capital and says no upfront property security is required.
Does Capflow lend to consumers?
No. Capflow says it doesn't provide consumer credit and lends to businesses for commercial purposes only.
Similar lenders on Visro
Sources
Information on this page is general, is based on Capflow's public materials, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Capflow.
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Lender names, logos and trade marks belong to their respective owners and are used only to identify the lender. Inclusion on Visro does not mean a lender endorses Visro or has a commercial relationship with us. Product information is general, may change, and is not an offer or recommendation of credit. Always confirm details with the lender. Visro does not provide credit assistance or financial advice.