Capify Business Loan – review 2026
Pros
- Daily repayment structure aligns with cash flow for some businesses
- Merchant cash advance option available
- Fast application and decisioning process
- Considers businesses with lower credit scores than mainstream banks
- No property security required for unsecured product
Cons
- Daily repayments can create cash flow pressure for some businesses
- Effective annual rates can be high
- Factor rate pricing makes comparison with other products complex
- Maximum term of 24 months
- Early settlement does not always result in interest saving under factor rate model
Capify Business Loan Review
Capify Australia provides working capital finance to small and medium businesses through its term loan and merchant cash advance products. Loans from AUD 5,000 to AUD 400,000 are available with terms from 3 to 24 months.
Capify uses daily automated repayments, with the repayment amount structured as a percentage of the business's daily card receipts for its merchant advance product, or as a fixed daily amount for its term loan. This structure means repayments flex with business cash flow for the merchant advance variant.
Requirements
- Australian-registered business with ABN
- Minimum 12 months trading history
- Minimum monthly revenue AUD 10,000
- 100 points of ID for director
- Australian citizen or permanent resident director
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.