Non-bank SME lender
Capify
Capify is a non-bank lender offering term loans to Australian small and medium businesses. Check whether Capify fits your client's scenario before you call.
Products
Term loan
Lender overview
Capify small business loans for brokers
About Capify
Capify describes itself as Australia's first alternative small business lender, with more than 20 years of experience lending to Australian small businesses. The Capify trademark is licensed to Ausvance Capital II Pty Limited.
How Capify lends
Capify lends to registered Australian businesses for any business purpose, with minimal paperwork. It offers unsecured loans without collateral, and secured loans where property, plant or equipment can be used as security.
Capify products
Small Business Loan: an unsecured loan for any business purpose.
Merchant Cash Advance: repaid as a small percentage of daily card and EFTPOS sales, so repayments move with trading. It suits businesses that take card payments, such as retail and hospitality.
Secured business loan: lending against property, plant or equipment.
Working with Capify as a broker
Capify runs a broker partner program. Brokers register their interest or submit a client scenario, and once approved they use Capify's broker portal to submit and track leads, upload documents and live chat with their BDM. Each broker gets a dedicated BDM, plus marketing resources. Capify says commission is paid to the broker's nominated account after the client is funded.
What your client will usually need
Registered business with an active ABN or ACN
Applicant who is an Australian citizen or permanent resident
Is Capify 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 Capify fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Capify FAQs
Is Capify a bank?
No. Capify is an alternative, non-bank small business lender.
Does Capify work with brokers?
Yes, through its broker partner program, broker portal and dedicated BDMs.
Does Capify offer secured loans?
Yes. Alongside unsecured loans, it lends against property, plant or equipment.
What is a merchant cash advance?
Funding repaid as a percentage of daily card and EFTPOS sales, so repayments drop in quieter periods.
Does Capify pay broker commission?
Yes. Capify says commission is paid after the client is funded. It doesn't publish rates.
Similar lenders on Visro
Sources
Information on this page is general, is based on Capify's public materials and industry news, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Capify.
The answers, already written down
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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.