The short answer
If you own property, a short-term loan secured on real estate is the main Capify alternative to consider. According to its website, Capify offers unsecured and secured business loans of up to $2,000,000 and more, with terms of three to 12 months repaid in small daily amounts. BizLoansFast lends $20,000 to $5,000,000 against residential or commercial property, with interest prepaid or capitalised and the loan cleared in one payment from your exit.
- Capify's site lists both unsecured and secured business loans, up to $2,000,000 and more
- Its FAQ describes terms of three to 12 months with small daily repayments
- Our security is always real estate: a first mortgage, second mortgage or caveat
- Nothing is debited daily on our loans: interest is prepaid or capitalised
| Capify range (per its website) | Up to $2,000,000+ |
|---|---|
| Capify funding (per its website) | 24 hours unsecured; 24 to 48 hours secured |
| Our loan size | $20,000 to $5,000,000 |
| Our security | Residential or commercial real estate |
| Valuation on our loans | Never ordered: we assess the property in-house |
A Capify alternative is worth considering when you hold property equity and want a loan shaped around a single repayment event rather than daily instalments. Capify, a long-standing Australian small business lender, offers both unsecured and secured business loans of up to $2,000,000 and more, according to its website (as at October 2026). BizLoansFast lends $20,000 to $5,000,000, fast, and every loan we write is secured on residential or commercial real estate.
Because both businesses use the word “secured”, it pays to look at what sits underneath it.
Capify in brief, from its own pages
Capify’s site and FAQs set out the following:
- Two products: unsecured business loans, described as needing no collateral, and secured business loans.
- Amounts: up to $2,000,000 and more.
- Speed: funding in 24 hours for unsecured loans and 24 to 48 hours for secured loans, after a 30-second eligibility check it says doesn’t affect your credit score.
- Terms: three to 12 months, varying with monthly turnover.
- Repayments: the total payback split into small daily repayments.
- Who qualifies: six months or more of trading and at least $10,000 in monthly turnover; a personal guarantee from the majority owner.
- Paperwork under $150,000: the last 12 months of main-account bank statements and the owner’s ID.
- Background: it calls itself Australia’s first alternative small business lender, with more than 20 years in the market, and says there are no early repayment fees.
What does “secured” mean at Capify compared with here?
Capify’s secured loans page focuses on speed and doesn’t spell out what security it takes, so if that matters for your deal, put the question to Capify.
At BizLoansFast the answer is always the same: real estate. We take a first mortgage, a second mortgage behind your bank, or a caveat on title. The property can belong to the business, a director or a guarantor, and it can be a home, a factory, a shop or an office. The loan size comes from the equity left after existing debt and from how convincingly the loan gets repaid. Our secured business loans page explains the structures.
Two practical points follow from that design. First, no valuer is involved: we look at the property ourselves and you can tell us what you think it’s worth, so nobody waits on a valuation report. Second, a weak credit history carries less weight, because the property and the exit drive the decision. See business loans with bad credit for how that works.
How do the repayments compare?
The biggest day-to-day difference is the repayment rhythm. According to Capify’s FAQ, the total payback is broken into small daily repayments over the term. That gives a business with steady card or bank takings a predictable, bite-sized cost.
Our loans run differently. Interest is either prepaid at settlement or capitalised into the balance, so nothing leaves your trading account during the term. The principal is repaid in one go when the exit lands: a property sale, a refinance, a debtor paying, a settlement or a tax refund. For a business whose money arrives in lumps, that can be easier to live with. For one with steady daily takings, daily repayments may suit just as well.
Private money moving this quickly is priced above bank finance; it earns that premium only when the speed or flexibility genuinely pays for itself. If yours is that kind of situation, send us the details and we’ll come back to you quickly.
Capify or a property-secured loan: matching the job
| If your business… | A Capify-style loan may suit | A BizLoansFast loan may suit |
|---|---|---|
| Owns no property | Yes | Not usually |
| Has steady daily takings | Yes | Either can work |
| Needs more than the turnover supports | Ask the lender | Yes, if the equity is there |
| Has money arriving on a known future date | Possible | Yes |
| Has credit marks or old ATO debt | Ask the lender | Often, yes |
| Wants no debits during the term | Daily repayments, per its FAQ | Yes |
Side by side: Capify and BizLoansFast
| Feature | Capify (per its website) | BizLoansFast |
|---|---|---|
| What it lends | Unsecured; secured | First mortgage, second mortgage, caveat |
| Amount | Up to $2,000,000+ | $20,000 up to $5,000,000 |
| Term | 3 to 12 months | Short term, built around your exit |
| Repayment pattern | Small daily repayments | Interest prepaid or capitalised; lump sum at exit |
| Minimums stated | 6+ months trading; $10,000+ monthly turnover | Property equity plus a clear exit |
| Guarantee | Majority owner’s personal guarantee | Owners of the security property sign |
| Funding time | Unsecured in 24 hours; secured in 24 to 48 hours | Often within 24 hours on a clean file |
| Valuation | Not stated | Never ordered |
Our cash flow lenders overview sets out the other turnover-based lenders, and the main compare page links every guide in this section.
Clearing several daily-debit loans in one hit
Business owners juggling more than one daily-repayment advance are among the most frequent callers we get. When three debits come out every morning, the business can be profitable on paper and short of cash in practice.
A property-secured loan resets that:
- Request a payout figure from each lender, dated to the day you plan to settle.
- Give us the security address, the current mortgage balance and your exit.
- We confirm the deal, usually within the day, and issue documents.
- At settlement we pay every lender out directly, and the daily debits stop at once.
- With interest prepaid or capitalised, cash flow is free while you rebuild and line up the exit.
Read more on refinancing business loans.
Illustrative example: three daily debits become none
Illustrative example: a Gold Coast hospitality group has three unsecured advances from different lenders with combined daily debits it can no longer carry, and $260,000 in total to pay out. The owner’s investment unit is worth about $850,000 with $280,000 owing. We approve a $300,000 second mortgage on day one, settle three business days later, pay all three lenders directly and capitalise the interest. Twelve months on, with the books cleaned up, the owner refinances to a bank and the loan is repaid.
Ready to see a Capify alternative backed by property?
If you’ve read this far, you probably have equity and a reason to move. Tell us about it: an enquiry involves no credit check, your file isn’t sent around a list of other lenders, and an experienced private lender works through it with you. You’ll get a quick, direct answer, even if that answer is no.
Fill the form in carefully, especially the property address, what you owe now and how you plan to repay, so our first answer holds. Ring 1300 852 150 or apply in 60 seconds and we’ll take it from there.
Capify alternative: your questions answered
Is Capify a direct lender?
Capify's about page calls it Australia's first alternative small business lender, with more than 20 years of experience, and names Ausvance Capital II Pty Limited as the licensed entity using the Capify trademark. It doesn't use the words direct lender on the pages we read, so check the credit provider named in any offer. BizLoansFast is a lender dealing with you directly.
How quickly can Capify fund a loan?
According to its website as at October 2026, unsecured loans are funded in 24 hours and secured loans in 24 to 48 hours. It also offers a 30-second eligibility check that it says doesn't affect your credit score. As with any lender, the timing on your own application is something to confirm with Capify directly.
What does Capify need from me?
Capify's FAQ lists a minimum of six months trading and $10,000 or more in monthly turnover. For loans under $150,000 it asks for the last 12 months of statements for the main trading account, the owner's ID and the bank statement cover page, plus a personal guarantee from the majority owner. Larger loans may involve more, so ask Capify.
Can I refinance Capify loans into one property-secured loan?
Yes. A property-secured loan from us can pay out one or more unsecured advances, including Capify loans, at settlement. Capify's site says it charges no early repayment fees. Get a written payout figure for each facility dated to the settlement day so the numbers are exact and every daily debit stops at once.
Capify secured loan or a BizLoansFast loan: what's the difference?
Capify's secured product page doesn't say what form of security it takes, so ask Capify for that detail. Ours is always a mortgage or caveat over real estate, sized to the equity after existing debt, with no valuation ordered. Repayment is also different: its FAQ describes daily repayments, while we prepay or capitalise interest and take the balance at your exit.
Can I borrow from BizLoansFast if I've traded less than six months?
Often, yes. Months of trading aren't what decides our answer; the property and the way the loan is repaid are. A new business, a business between contracts or one with irregular takings can still borrow when the equity and the exit are clear. Bring the title details and a realistic repayment plan.
Sources we checked
Names are trademarks of their owners. BizLoansFast is not affiliated with any lender named on this page. Lender details are summarised from each lender's own website as at October 2026 and can change — check with the lender directly.
Written by the BizLoansFast lending team · Updated 2026-10-06