Frequently Asked Questions

Hi, how can we help?

Small business loans are a type of finance offered by a lender to a borrower. A business agrees to borrow a set amount of money from the lender and to repay it within a designated amount of time. A small business loan may be secured or unsecured and can be used for a variety of purposes, from increasing the working capital available to the borrower to providing extra funds for renovation, the loan can be used for any business-related purposes.

Unlike secured loans which require you to borrow against an asset such as a vehicle or property, our unsecured loans aren’t guaranteed, meaning you can borrow money for your business without the need for collateral or assets as security, and with minimum paperwork required, once approved, the funds are in your account within 24 hours, not weeks or months.

Capify provides small business loans to Australian businesses who meet the following basic eligibility criteria;


– Must be a registered business in the UK
– Trading for minimum 6 months
– @10,000+ minimum monthly turnover
– 18 years+ of age


Please note the above criteria allows us to start the application process. You’ll still need to meet our standard credit assessment criteria to get approved and funded.

Once you’ve submitted an application, and meet our elibility criteria, you could be approved within hours and have funded in your account within 24 hours.

All our loans are unsecured and do not require any security or assets.

No, we unfortunately, do not allow split payment between fixed and variable rates.

Yes, businesses with poor credit can receive funding from alternative lenders like ourselves. If you meet the following criteria: UK-based business that has been in operation for at least one year with a monthly turnover of £10,000 of greater.

We treat each application on its own merit, so even if you’ve have CCJ’s it’s worth enquiring as to what funding we can help provide – subject to meeting our criteria.