Fast access to business finance through our panel of lenders. Apply online, connect your bank statements and get a decision without affecting your credit score.
Apply For LoanApplying won’t affect your credit score
Borrow up to
30% of Turnover
No fee for
Repaying Early
Doesn't affect your
Credit Score
Apply for up to
$2 Million
Estimate repayments before you apply and choose a loan amount and term that fits your business.
12 monthly repayments of $31,500
Borrow up to $2,000,000
For up to 60 months
Applying won’t affect your credit score
Figures are estimates only. Final terms are subject to lender assessment and approval.
Business finance options
Capscale matches your application with suitable business lenders from our panel based on your funding needs, business profile and eligibility.
Straightforward business funding without putting up property or business assets as security.
Up to $2M
Funding available*
3–60 months
Loan terms*
No asset security
Required*
Best suited for
Access funds when your business needs them rather than taking the entire amount upfront.
Draw as needed
Up to your approved limit*
Pay on funds used
Interest applies to amounts drawn*
Flexible access
For ongoing funding needs*
Best suited for
Apply online in around 5 minutes
*Loan amounts, terms, rates, fees, security requirements and eligibility vary by lender and applicant. Capscale is a broker, not a lender.
From application to decision, the process is built to be quick, simple and based on the information lenders need to assess your business.
Tell us about your business, how long you have been trading and the amount of funding you need.
Lenders can analyse electronic bank statements quickly and use credit engines to automate most decision metrics.
Many lenders allow early payouts and may offer repayment discounts when you close the loan ahead of schedule.
Applying won’t affect your credit score
Why Capscale?
Instead of approaching lenders one by one, Capscale helps match your business with suitable funding options from our panel.
Tell us about your business once. We use your application to identify suitable lenders from our panel.
Different lenders suit different industries, trading histories and funding needs. We help narrow down the options.
Avoid researching and applying to lender after lender just to work out which options could suit your business.
Apply online, provide the information lenders need and move forward when a suitable funding option is available.
Less searching. More clarity.
Search lenders
Find and compare providers yourself
Compare criteria
Work out where your business may fit
Fill out an application
Submit your information to one lender
Start again if it isn't suitable
Research another lender and repeat
Step 1
Apply once
Tell us about your business and funding needs.
Step 2
We help identify suitable lenders
Your application can be matched with relevant options from our lender panel.
Step 3
Review your option
A lender independently assesses your application under its own criteria.
Capscale is a broker, not a lender. We match and refer applications to lenders from our panel. Each lender independently assesses applications under its own lending criteria, terms and conditions. Capscale does not provide credit or financial advice.
Built around your business
From smoothing out cash flow to investing in your next stage of growth, business funding can give you more room to move.
Not sure which type of finance fits your plans? You don't need to choose upfront. Tell us what your business needs and we'll help identify suitable options from our panel.
Explore my funding options
Lenders typically assess your trading history, turnover, industry and recent bank statements before making a decision.
Applying won’t affect your credit score
Funding scenarios
Every business is different. Here are a few examples of how Capscale could help match common funding needs with suitable lenders from our panel.
Hospitality
$40,000
Stock funding need
A café trading for two years needs additional working capital to purchase stock ahead of a busy holiday period, without putting property up as security.
Business
Café
Trading history
2 years
Finance type
Unsecured
Possible funding route
Capscale could refer the application to a panel lender that assesses recent business performance and offers unsecured business finance.
Trades
18 months
Trading history
A trades business experiences a slower-than-usual month and needs short-term working capital to cover payroll while incoming customer payments catch up.
Business
Trades
Funding need
Cash flow
Repayments
Flexible*
Possible funding route
Capscale could match the business with a lender suited to its trading history and short-term working capital requirements.
Retail
Renovate
Invest in the premises
An established retailer wants to upgrade its shopfront and interior without waiting through a lengthy traditional bank application process.
Business
Retail
Funding need
Renovation
Priority
Fast process
Possible funding route
Capscale could identify a panel lender offering business finance suitable for the renovation, including available early repayment options.
Tell us about your business and we'll help identify suitable funding options from our lender panel.
Explore my funding optionsApply online in around 5 minutes
*These scenarios are illustrative examples only and do not represent actual Capscale customers or guaranteed lending outcomes. Loan amounts, terms, repayment structures, fees, approval times and eligibility vary by lender and applicant. Capscale is a broker, not a lender.
Find answers about eligibility, approvals, unsecured loans, repayments and the information lenders use to assess your application.
