Capify Australia
Capify Australia is a private alternative SME lender founded in 2008 that originates unsecured loans, secured loans, and merchant cash advances to Australian small businesses, providing funding decisions within minutes and capital within 24–48 hours through a direct, broker, and partner channel mix.
- Company typePrivate
- Founded2008
- HeadquartersParramatta, Australia
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Capify Australia does
Capify Australia is a privately held alternative business lender founded in 2008 and headquartered in Parramatta, NSW, that originates unsecured business loans (A$5,000 to A$500,000), secured business loans (up to A$2,000,000+), and merchant cash advances to Australian small and medium-sized enterprises. The company positions itself as Australia's first alternative small business lender, with cumulative originations of over A$2.3 billion to 20,000+ businesses and a self-reported customer renewal rate above 50%. Its core technology is a cloud-based lending platform that combines an online 30-second eligibility checker, a broker portal with real-time lead submission and document upload, and an integration with Proviso for secure bank statement retrieval, all designed to compress approval and funding timelines to within 24–48 hours versus the 3–8 weeks typical of incumbent banks.
Capify Australia firmographics
Firmographics- Name
- Capify Australia
- Legal name
- Capify Australia PTY LIMITED (ABN 38 630 469 117)
- Website
- https://capify.com.au
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Capify Australia is a private alternative SME lender founded in 2008 that originates unsecured loans, secured loans, and merchant cash advances to Australian small businesses, providing funding decisions within minutes and capital within 24–48 hours through a direct, broker, and partner channel mix.
- Ownership category
- akta.pro rank
Capify Australia industry classification
Industry- Product category
- Alternative Small Business Lending
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- Revenue-Based Financing (RBF) Providers (FSANAIAF)
Keywords
Where Capify Australia is headquartered
LocationHeadquarters
- HQ city
- Parramatta
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Capify Australia business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Business Loan Origination & Interest/Fees: Capify earns revenue by originating unsecured and secured business loans to Australian SMEs. Fees are determined using a factor rate based on risk, loan amount, industry, and creditworthiness. The total payback figure is disclosed upfront with no hidden fees. Repayments are structured as fixed daily repayments.
- Merchant Cash Advance: Capify provides Merchant Cash Advances where a small percentage of the business's credit card and EFTPOS terminal sales are repaid daily over the term of the advance. Revenue is generated through the total payback amount agreed upon at origination.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Unsecured Business Loans from $5,000 to $500,000, funded within 24 hours |
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance from $5,000 to $500,000, funded within 24 hours |
| Other | Pay-as-you-go | Secured Business Loans up to $2,000,000+, funded within 24–48 hours |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Capify Australia product offering
Product offeringCore offering
Capify Australia provides fast, flexible alternative financing to Australian small and medium-sized businesses through three core products: unsecured business loans (A$5,000 to A$1,000,000, no collateral required), secured business loans (up to A$2,000,000+, collateralised against property, plant or equipment), and merchant cash advances (A$5,000 to A$500,000, repaid as a percentage of daily card and EFTPOS sales). Loans are typically funded within 24 to 48 hours, supported by a 30-second soft-check eligibility assessment and dedicated Australian-based account managers.
Product overview
Capify Australia offers a unified alternative lending platform with three core products: Unsecured Business Loans ($5,000-$1,000,000, no collateral required, 24-hour funding), Secured Business Loans (up to $2,000,000+, collateral required, 24-48 hour funding), and Merchant Cash Advance ($5,000-$2,000,000, repaid via percentage of daily card sales). All products feature a 30-second eligibility check that does not affect credit scores, Australian-based account management, no early repayment fees, and funding within 24 hours. Founded in 2008, Capify is Australia's first alternative small business lender.
Differentiator
Problem solved
Functional benefit
Products and services
- Unsecured Business Loans
- Secured Business Loans Collateral-backed business loans of up to A$2,000,000+ for Australian small businesses, with funding within 24-48 hours, ability to cross-collateralise assets, and factor rate-based fees with fixed daily repayments.
- Merchant Cash Advance A working capital product for businesses that accept credit card and EFTPOS sales, where a small percentage of daily terminal sales is remitted until the agreed payback amount is settled, designed to flex with seasonal or irregular cash flows.
Quantifiable outcome
- Over 50% of Capify's customers renew their loans
- +2 more outcomes
Companies that use Capify Australia
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles2 records
Capify Australia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Capify Australia partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ProvisocoreProviso is a third-party bank statement retrieval platform used by Capify to securely access and analyse customer banking data as part of the credit assessment process. The platform uses customers' banking credentials solely for retrieving bank statement data, and is described as an award-winning, secure platform that speeds up the approval process.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Capify Australia competitors and assessment
Company assessmentDirect peers
- Prospa: Australia's largest online small business lender (ASX-listed), offering unsecured business loans and a line of credit to SMBs. Directly comparable to Capify across product (unsecured SMB loans), customer segment (Australian SMBs), and value proposition (fast alternative funding vs. banks).
- Lumi: Australian fintech lender providing working capital and SMB loans, with a strong broker channel. Directly comparable in target customer (Australian SMBs) and product suite of short-term business financing.
- Moula: Australian online business lender providing working capital and unsecured loans to SMBs, now backed by Liberty Financial. Directly competes with Capify in online unsecured SMB lending with similar speed-of-funding and risk-based pricing positioning.
- Plenti: ASX-listed Australian fintech lender offering consumer and asset finance, with growing SMB lending exposure. Comparable as an Australian-listed alternative lender using technology-driven origination, though broader in product scope than Capify.
- Scottish Pacific: Established Australian specialist in invoice finance and working capital lending to SMBs. Comparable in providing fast, flexible working capital solutions to Australian small businesses, though with a heavier weighting toward debtor finance.
- OnDeck Australia: Australian arm of the global SMB online lender, offering short-term unsecured business loans and lines of credit to small businesses. Closely comparable product set, customer base, and inside-sales-led origination model to Capify.
- Bizcap: Australian alternative SMB lender providing unsecured and secured business loans to small businesses. Directly comparable across product structure, target customer (Australian SMBs), and broker/partner channel mix.
- Spotcap: Australian online business lender offering working capital loans and lines of credit to small businesses. Comparable online origination model, SMB customer segment, and speed-of-funding value proposition.
Broad incumbents
- Tyro: ASX-listed Australian SMB-focused fintech providing EFTPOS/payments and integrated lending to merchants. Comparable in targeting Australian SMBs with integrated financial services, though payments is its primary business and lending is a complementary offering.
Emerging players
- QuickBooks Capital: Intuit's SMB lending arm, offering working capital loans to small businesses using QuickBooks data. Comparable as a data-driven alternative SMB lender using cash-flow underwriting, though operating at much larger scale and embedded within accounting software rather than a direct broker model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Capify Australia social profiles
Digital presenceCapify Australia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capify Australia leadership team
Management profileNumber of profiles
Capify Australia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capify Australia M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capify Australia
What does Capify Australia do?
Capify Australia provides fast, flexible alternative financing to Australian small and medium-sized businesses through three core products: unsecured business loans (A$5,000 to A$1,000,000, no collateral required), secured business loans (up to A$2,000,000+, collateralised against property, plant or equipment), and merchant cash advances (A$5,000 to A$500,000, repaid as a percentage of daily card and EFTPOS sales). Loans are typically funded within 24 to 48 hours, supported by a 30-second soft-check eligibility assessment and dedicated Australian-based account managers.
Is Capify Australia a public or private company?
Capify Australia is a private company. It is classified as unknown and is currently operating.
When was Capify Australia founded?
Capify Australia was founded in 2008. It employs 51 to 100 people.
Where is Capify Australia based?
Capify Australia is headquartered in Parramatta, Australia, in the Oceania region.
How does Capify Australia make money?
Two revenue lines are on record. Business Loan Origination & Interest/Fees are the primary driver. The others are merchant Cash Advance.
Who are Capify Australia's main competitors?
Direct peers on record are Prospa, Lumi, Moula, Plenti, Scottish Pacific, OnDeck Australia, Bizcap and Spotcap. Tyro is listed as a broad incumbent. QuickBooks Capital is listed as an emerging player.
Does Capify Australia have an API?
No public API is recorded for Capify Australia.
What industry is Capify Australia in?
Capify Australia's product category is Alternative Small Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSANAIAF, Revenue-Based Financing (RBF) Providers. Its NAICS code is 522 and its SIC code is 6153.