One partner for all
your capital needs
Cash Advances, Term Loans, and Rolling Financing — built for e-commerce operators and integrated directly with your Capra payment flows.
Get a financing offer today — it takes less than 10 minutes to apply.
Tailored to your evolving needs
Choose the structure that fits your business model — or combine products as you scale.
Cash Advance
For seasonal businesses that need remittances to be responsive to sales patterns.
Typical terms
- Revenue-based remittances
- Repaid daily, weekly or every two weeks
- 3–9 month time horizon
- Unsecured
- One transparent fee, no hidden costs
Term Loan
For growing businesses that need a fixed repayment schedule to plan ahead.
Typical terms
- Fixed repayments
- Repaid daily, weekly or every two weeks
- 3–9 month time horizon
- Optional security (can lower cost of capital)
- One transparent fee, no hidden costs
Rolling Financing
For established businesses that need ongoing access to capital.
Get repeat access to our Cash Advance or Term Loan products over a 12 month contract, so you don't need to reapply each time.
FX rate on all supplier payments
Available to all active Capra Finance customers — no minimum volume required.
Finance your inventory.
Pay suppliers at half the cost.
When you use Capra Finance, your FX rate on international supplier payments drops to a flat 0.25% — lower than any standard tier, regardless of order size. Because financing and payments run on the same platform, we can pass our best pricing straight to you.
Support for every stage of your journey
Cash Advance
In your business' early days, it can be helpful to tie remittances to sales patterns because cashflow is harder to predict.
Term Loan
As sales patterns become more predictable, a fixed repayment schedule can help you plan ahead.
Rolling Financing
Once you're established, a pre-approved credit limit gives you quick access to additional funds should opportunities arise.
From application to funded in 48 hours
No branch visits, no paper forms, no weeks of waiting. Capra Finance is built for operators who move fast.
Apply in 10 minutes
Complete a short online application — no paperwork, no branch visits. Connect your Capra account, Shopify store, or accounting software for instant data verification.
Get your offer in hours
Our AI-powered underwriting model analyses your payment history, revenue trends, and settlement data. Most applicants receive a conditional offer within 4 hours.
Funds in 48 hours
Accept your offer and funds land directly into your Capra multi-currency account. Use them for inventory, freight, marketing — whatever drives growth.
Repayment happens automatically
Repayments are collected automatically from your Capra settlement flows — no manual transfers. Revenue-based options flex with your sales; fixed plans give full predictability.
Application — step 1 of 3
Why Capra Finance
We're not a bank. We're the payments infrastructure layer that also funds your growth.
No equity dilution
Keep 100% of your business. Capra Finance is debt-based — we never take a stake in your company or demand board representation.
0.25% FX on supplier payments
Finance customers unlock our lowest FX rate — 0.25% on all international supplier payments. Half our standard rate, active for the full term of your facility.
Transparent pricing
One fixed fee disclosed before you accept. No origination fees, no prepayment penalties, no hidden charges buried in the terms.
Scales with your business
Start with a Cash Advance and grow into Rolling Financing as your revenue increases. Your facility limit increases automatically as you repay on time.
Built for e-commerce operators
Capra Finance is designed specifically for online retailers, marketplace sellers, and direct-to-consumer brands — not traditional bricks-and-mortar businesses.
Basic requirements
Minimum AUD $250k (or equivalent) annual e-commerce revenue
Trading for at least 6 months with a verifiable sales history
Registered business in Australia, UK, US, or Singapore
Active Capra account preferred — or connect your bank and Shopify/WooCommerce
No outstanding insolvency proceedings or undisclosed legal judgments
Don't meet every requirement? Talk to us — we assess applications holistically and consider your full payment history.
Common questions
Everything you need to know about Capra Finance.
Capital that moves at the
speed of your inventory
Apply in 10 minutes. Get a decision in hours. Have funds in your Capra account within 48 hours.
No impact on your credit score to check eligibility. No equity taken.