Merchant
Cash Advance
Flexible funding tied to your revenue.
Fast approvals with repayments that move with your business cash flow.
Merchant Cash Advance
Get custom quotation
A merchant cash advance gives businesses access to fast funding with repayments linked directly to future sales revenue.
Repay as you earn
Low Doc Options Available
From $5K+
Access flexible funding from $5,000 with no strict upper funding ceiling.
$5K+
Automatic Repayments
Repayments are processed automatically through your sales activity, reducing admin workload.
Simple
Personalised Rates
Businesses with strong trading history and credit profiles may access more competitive pricing.
Tailored
24hr Funding Speed
Same-day approval decisions available, with funds often received within 24 hours of approval.
Fast
No Asset Security
Access funding without using property, vehicles or equipment as collateral.
Unsecured
Revenue-Based Payments
Repayments automatically adjust during slower trading periods to help protect cash flow.
Cashflow
Revenue-based repayments
Estimate your repayment flow
Calculate your payments
Merchant cash advance
calculator
Enter the amount you'd like to borrow, your factor rate, and your average monthly card sales to see an example repayment.
Fast reviews. Flexible lenders. Ongoing support.
This calculator is intended for illustration purposes only. Exact payment terms should be agreed with a lender before taking out a loan.
Pricing & Fees
Costs vary by lender
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
Discuss your optionsWhat lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
Discuss your optionsWhat lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
Pricing & Fees
Costs vary by lender
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
Discuss your optionsWhat lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
Discuss your optionsWhat lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
Easy 3 Step Process
Decisions in as little as 24 hours*
How it works
Our Process
Apply in minutes and explore funding options suited to your business. We keep the process simple, clear and moving.
Fast reviews. Flexible lenders. Ongoing support.
01
Apply in 60 seconds
no credit impact
Tell us what you need and a bit about your business.
02
We assess and call you
We assess your details and compare options.
03
Pick and proceed
Choose the quote that suits you and we handle the rest
Application Time
60 seconds
Initial Review
Same day
Funding Available
Often same day*
*Reflects typical time to an initial lending decision from participating panel lenders. Individual timeframes vary. Funding timing is set by the approving lender.
Let's Work Together
Contact Us
Contact Now
Let's talk finance options
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
FAQ
01
What is a merchant cash advance?
02
How are merchant cash advance repayments made?
03
What is a factor rate?
04
Is a factor rate the same as an interest rate?
05
What businesses commonly consider a merchant cash advance?
06
Do repayments change when sales change?
07
What should I compare before taking a merchant cash advance?
08
What information may a provider request?
No pressure. No jargon. Just clear next steps.
Check my options →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Merchant
Cash Advance
Flexible funding tied to your revenue.
Fast approvals with repayments that move with your business cash flow.
Merchant Cash Advance
Get custom quotation
A merchant cash advance gives businesses access to fast funding with repayments linked directly to future sales revenue.
Repay as you earn
Low Doc Options Available
From $5K+
Access flexible funding from $5,000 with no strict upper funding ceiling.
$5K+
Automatic Repayments
Repayments are processed automatically through your sales activity, reducing admin workload.
Simple
Personalised Rates
Businesses with strong trading history and credit profiles may access more competitive pricing.
Tailored
24hr Funding Speed
Same-day approval decisions available, with funds often received within 24 hours of approval.
Fast
No Asset Security
Access funding without using property, vehicles or equipment as collateral.
Unsecured
Revenue-Based Payments
Repayments automatically adjust during slower trading periods to help protect cash flow.
Cashflow
Revenue-based repayments
Calculate your payments
Merchant cash advance
calculator
Enter the amount you'd like to borrow, your factor rate, and your average monthly card sales to see an example repayment.
Fast reviews. Flexible lenders. Ongoing support.
This calculator is intended for illustration purposes only. Exact payment terms should be agreed with a lender before taking out a loan.
Pricing & Fees
Costs vary by lender
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
Discuss your optionsWhat lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
Discuss your optionsWhat lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
Easy 3 Step Process
Decisions in as little as 24 hours*
How it works
Our Process
Apply in minutes and explore funding options suited to your business. We keep the process simple, clear and moving.
Fast reviews. Flexible lenders. Ongoing support.
01
Apply in 60 seconds
no credit impact
Tell us what you need and a bit about your business.
02
We assess and call you
We assess your details and compare options.
03
Pick and proceed
Choose the quote that suits you and we handle the rest
Application Time
60 seconds
Initial Review
Same day
Funding Available
Often same day*
*Reflects typical time to an initial lending decision from participating panel lenders. Individual timeframes vary. Funding timing is set by the approving lender.
Let's Work Together
Contact Us
Contact Now
Let's talk finance options
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
FAQ
01
What is a merchant cash advance?
02
How are merchant cash advance repayments made?
03
What is a factor rate?
04
Is a factor rate the same as an interest rate?
05
What businesses commonly consider a merchant cash advance?
06
Do repayments change when sales change?
07
What should I compare before taking a merchant cash advance?
08
What information may a provider request?
No pressure. No jargon. Just clear next steps.
Check my options →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Merchant
Cash Advance
Flexible funding tied to your revenue.
Fast approvals with repayments that move with your business cash flow.
Merchant Cash Advance
A merchant cash advance gives businesses access to fast funding with repayments linked directly to future sales revenue.
Repay as you earn
Low Doc Options Available
From $5K+
Access flexible funding from $5,000 with no strict upper funding ceiling.
$5K+
Automatic Repayments
Repayments are processed automatically through your sales activity, reducing admin workload.
Simple
Personalised Rates
Businesses with strong trading history and credit profiles may access more competitive pricing.
Tailored
24hr Funding Speed
Same-day approval decisions available, with funds often received within 24 hours of approval.
Fast
No Asset Security
Access funding without using property, vehicles or equipment as collateral.
Unsecured
Revenue-Based Payments
Repayments automatically adjust during slower trading periods to help protect cash flow.
Cashflow
Estimate your repayment flow
Calculate your payments
Merchant cash advance
calculator
Enter the amount you'd like to borrow, your factor rate, and your average monthly card sales to see an example repayment.
Fast reviews. Flexible lenders. Ongoing support.
This calculator is intended for illustration purposes only. Exact payment terms should be agreed with a lender before taking out a loan.
Pricing & Fees
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
Discuss your optionsWhat lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
Discuss your optionsWhat lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
Get funded in under 24 hours
How it works
Our Process
Apply in minutes and explore funding options suited to your business. We keep the process simple, clear and moving.
Fast reviews. Flexible lenders. Ongoing support.
01
Apply in 60 seconds
Tell us what you need and a bit about your business.
02
We assess and call you
We assess your details and compare options.
03
Pick and proceed
Choose the quote that suits you and we handle the rest
Application Time
60 seconds
Initial Review
Same day
Funding Available
Often same day*
*Reflects typical time to an initial lending decision from participating panel lenders. Individual timeframes vary. Funding timing is set by the approving lender.
Let's Work Together
Contact Us
Contact Now
Let's talk finance options
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
FAQ
What is a merchant cash advance?
How are merchant cash advance repayments made?
What is a factor rate?
Is a factor rate the same as an interest rate?
What businesses commonly consider a merchant cash advance?
Do repayments change when sales change?
What should I compare before taking a merchant cash advance?
What information may a provider request?
No pressure. No jargon. Just clear next steps.
Check my options →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.