We can fund from $5,000 to $200,000 in unsecured finance to SMBs. The repayment terms are flexible and depend on the monthly card sales of your business. Terms range from 3 months to 12 months.

From application submission to approval, the process can take 60 seconds on our Apply Online platform. However, this time frame is dependent on receiving the required documents in a timely manner.

Once your application has been approved, we can have the funds in your nominated account in less than 3 days for most cases. If your case is urgent please let our friendly team know and we will work out a solution that suits your needs.

Capify offers a fast, adaptable, and quick-to-market product that works at the pace of your small business:

Merchant Cash Advance:

• For businesses that accept credit card/debit card sales.
• Get access to a lump sum amount where repayments are debited on a daily basis.
• No fixed monthly repayment requirements which means your cash flow isn’t heavily affected.

• Bank statements for the last 4 to 6 months.
• Merchant statements for the last 4 to 6 months.
• Driver’s license for the owner of the business.

• Operating for a minimum of 6 months.
• Minimum debit/credit sales of at least 0,000 a month.
• Maintain a good average daily balance.

We do not charge our customers any fees to submit an application. It is completely obligation-free and you can choose to proceed whenever you are ready.

We support businesses from all industries and we have proven examples of customers that have successfully grown their business through our innovative lending methods. Some industries include:

• Retail & Fashion
• Hair & Beauty
• Hospitality
• Automotive
• Real Estate
• Manufacturing
• Trade & Labour
• Cleaning Services
• Many more

You can use the cash for any business purpose you like. A few ways our customers have used the funds:

• Improved Cash Flow
• Pay off any expenses
• Renovations and expansions
• Tax payments
• Purchasing stock in bulk
• Marketing
• Hiring extra staff
• Upgrading equipment
• Buyout minority owners

Capify is a leading provider for unsecured finance in Canada. We offer unique solutions and innovative technology that fund your business fast and easily.

• Unsecured funding up to $200,000
• Easy 60 second Online Application
• Get an instant Pre-Approval online
• No application fees
• Flexible repayment and renewal options

Capify’s funding solutions are unsecured and tied to no assets which means we do not require any business assets or personal assets as security for the finance.  The only requirement is a personal guarantee by the majority owner of the business.

This is what sets us apart from the other lenders, we do not use interest rates for our funding solutions. Instead Capify offers an agreed total payback amount. The payback amount depends on the type of business you operate and the term you require the finance for. This way your business knows up front the total costs, making managing your cash flow easy.