Swoop Funding and Cape have partnered to give you a card that’s unique to your needs. $5k to $500k in credit, with no FX fees and no need to risk your assets. Get a decision in as little as 2 hours.
Cape grows with you. Based on our risk assessment and your financials, you can get between $5,000 and $500,000 AUD credit per month with your Cape account.
Major banks charge various fees that quickly add up. We don't charge a fee for international transactions, and our plans start as low as $39.99 per month.
Issue cards with custom limits by amount, merchant, even days of the week. Freeze and cancel easily, and never go over budget.
Cape connects to your existing accounting software so you can track and manage spending together and in real-time.
That's right. Zero interest. Get access to a line of credit each month - up to $500k and pay absolutely no interest when you pay on your due date. Apply now and save.
Apply now
Set and adjust spending limits in a few clicks, so you and your team can chase big ideas without going over budget.
Cape is a card that grows with you. Based on our risk assessment and your financials, you can get between $5,000 and $500,000 AUD credit per month with your Cape card.
Major banks charge various fees with confusing names. These fees quickly add up and can get as high as 7% per transaction. We don't charge a fee for international transactions, and there are no other fees on Cape^
^ Subject to caps noted in your pricing plan
Cape connects to your existing accounting software so you can track and manage spending together and in real-time.
To use Cape, you'll need to apply and qualify for a Cape corporate card. There are several factors we consider when assessing a card application, but the must-have, non-negotiable criteria to qualify are:
• Your business is a Pty Ltd company
• You have been in business for over 12 months
• Your annual turnover exceeds AUD$75,000
We only run soft credit checks, which means applying won’t affect your credit score. But the application will show up on your credit report.
Timing varies depending on whether we need to ask you for further information - in some cases it only takes a couple of hours. However, most customers are approved within 1 to 2 business days.
Cape is a Principal Member of Mastercard, a partnership that requires a rigorous assessment of Cape’s payment processing capabilities to ensure they are secure and protect against fraud. We have also received funding from notable FinTech investors Aura Ventures, Investible, Scalare Partners, and Mercury Capital. So, yes, you can trust Cape!
You can use your Cape card for any business expenses you want! Many of our customers start by switching their foreign currency expenditure across to Cape, such as SaaS subscriptions paid in USD, to make the most of our $0 international transaction fees.
Our credit facility ranges from $5k to $500k, depending on our risk assessment of your business and the card limit you want. We can re-assess your limit at any point in the future. If you need additional funds, just chat with your account manager.
There is no long-term commitment with a Cape card. Use it as much or as little as you want, make repayments within 30 days, and cancel your card if you need to.
No. You won't need to sign a personal guarantee or use an asset as security to get a Cape card. Approval is based purely on your business financials.
There is a monthly SaaS fee which you can learn more about on our pricing page.
You are set up on a monthly statement date and all transactions within the monthly cycle are payable in full. So you have up to 31 days to pay for a transaction. We make this easy by setting up a direct debit in your Cape account.
We're happy to help! If you have any questions about your Cape account or applying for a card, email support at support@getcape.io.
We are an Australian FinTech company based in Manly that offers corporate cards and tools designed to help businesses save time on expense management and cut down on wasteful spending. We are currently in a BETA phase, with backing from angel investors from companies such as Atlassian, Stripe, LegalVision, and Scalare Partners.
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