The corporate card for eCommerce businesses

A card that’s unique to your eCommerce needs. $5k to $500k in working capital, with no FX fees and no need to risk your assets. Get a decision in as little as 2 hours.
Apply now
Fast, easy sign up
4 minutes
to apply online
2 hours
to get approval
A lifetime
to save
Get a Cape account
in 4 easy steps
Apply online in minutes
You’ve got a business to run. Give us the essentials and we’ll get to work.
Connect your accounting software
This will speed up your application. You can upload statements too, if you prefer.
Get approval in as little as 2 hrs
It’s all hands on deck to process your application. 1-2 days is normal, but we can approve in as little as 2 hours.
Start using your card
Get your card in the post with up to $500k monthly credit. You’ll be saving on fees in no time.

Do you qualify for Cape?

Your business is a Pty Ltd company
You have been in business for over 12 months
Your annual turnover exceeds AUD$75,000

Why Cape?

Fast approval
We’ll provide a decision within 1-2 working days. If your application is tip-top, approval can happen in as little as 2 hours.

Up to $500k
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.
No personal guarantees
We underwrite credit for your business, separating work and personal finance responsibilities. No need to sign a personal guarantee or use an asset as security to get a Cape card.
No fees
Major banks charge various fees that 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's BETA program.
Complete expense nirvana
Compiling expense reports and chasing receipts for a growing business puts everyone behind. Automate your policies, tailor by department, enjoy expense nirvana.
Painless accounting integration
Cape connects to your existing accounting software so you can track and manage spending together and in real-time.

Why Cape?

Flexible corporate cards
Issue physical and virtual cards with custom limits by amount, merchant, even days of the week. Freeze and cancel easily, and never go over budget.
Simple spend controls
Set and adjust spending limits in a few clicks, so you and your team can chase big ideas without going over budget.
Up to $500k credit
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.
No FX fees
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's BETA program.
Complete expense nirvana
Complete expense nirvana
Compiling expense reports and chasing receipts for a growing business puts everyone behind. Automate your policies, tailor by department, enjoy expense nirvana.
Painless accounting integration
Cape connects to your existing accounting software so you can track and manage spending together and in real-time.
frequently asked
questions

What are the criteria for getting a Cape account?

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

Will applying for a corporate card affect my credit score?

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.

How long does it take to get a Cape card?

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.

Can I trust Cape?

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!

What can I use my Cape card for?

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.

What limit will my card have?

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.

How long is the commitment?

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.

Do you require security?

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.

What is the cost?

There is a monthly SaaS fee which you can learn more about on our pricing page.

When do I need to make repayments?

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.

What if I need help with my card?

We're happy to help! If you have any questions about your Cape account or applying for a card, contact your account manager, call us on +61 2 8311 5153, or email support support@getcape.io

Who is Cape and where are you based?

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.

Awards & nominations