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Business credit cards built to put you in control

Running a business is hard. Accessing funding for your business shouldn’t make it harder.

Buy Now Pay Later plans

Flexible instalment plans are available on all purchases so you can protect your credit limit and run your business.

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No minimum payment traps

On top of that you’ll never be caught in a credit trap again, we automatically move purchases not paid in full at the end of the month onto the installment plan.

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Credit limits that move with you

Get started with a credit limit as high as 100% of your projected monthly sales and scale from there as you need.

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Buy Now, Pay Later plans

Instalment plans available on all purchases in real time: adjustable anytime before, during or after a purchase

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No minimum payment traps

Move purchases not paid in full at the end of the month onto the installment plan

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Flexible payment terms

Flexibly repay your instalment plan balance as a percentage of your sales

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Track spend in real-time. For free.

Keep an eye on your expenses with our spend management pre-paid card at zero cost. We’ll even give you cashback on all your purchases.

Buy smart with live cash flow forecasting

See how business spending decisions will impact your cash flow before committing to buying.

Set up expense policies and controls

Every card comes with configurable spending limits, purchase restrictions, and cancellations for each employee and team. See all that information on your dashboard and create an expense policy that works.

Real-time visibility on spending

No more unpleasant surprises. Our in-app top line view of your business spending means you can see who’s spending what, when, and where - as it happens.

Buy Now, Pay Later plans

Instalment plans available on all purchases in real time: adjustable anytime before, during or after a purchase

Discover more

No minimum payment traps

Move purchases not paid in full at the end of the month onto the installment plan

Discover more

Flexible payment terms

Flexibly repay your instalment plan balance as a percentage of your sales

Discover more

Automate your accounting

Buy Now, Pay Later plans

Instalment plans available on all purchases in real time: adjustable anytime before, during or after a purchase

Discover more

No minimum payment traps

Move purchases not paid in full at the end of the month onto the installment plan

Discover more

Flexible payment terms

Flexibly repay your instalment plan balance as a percentage of your sales

Discover more

No more chasing colleagues thanks to instant receipt reconciliation

Receipt collections reconcile in real time. Your Finance team will save days every month using Cape’s complete management solution for expense reports.

Integrates with your accountant

Export your data to accounting providers like Xero and MyOB with one click.

Unique insights to drive your expenses policy

Deciding how your teams should use expenses is made simple with Cape’s business credit card.

Cape helps you save as you spend

We’ll give you over $100,000 in partner rewards

You need more than credit to help your company grow. We’ve secured you some of the best deals and sign-up offers for the most popular business services around.

See all Rewards & Savings

Purchase from anywhere with no hidden costs

We keep our services transparent and have zero setup costs, subscription fees, hidden charges, or foreign transaction fees of any kind.

Issue as many cards as you need for your team

Give your team the autonomy they need with access to as many cards as they need. Don’t waste time with lengthy expense procedures and authorise purchases with a click.

Higher credit limits with no founder guarantee required

Our bespoke underwriting model means we can offer you up to 20 times the limit of traditional card providers and it won’t change your credit score.

Control Centre

See how all decisions will impact your cashflow over the coming months with CapeSimulator.

Points, points, points

Rack up points on company spend and redeem anywhere, anytime.

Manage your runway

Level the playing field with outward-looking forecast cashflow tools.

We're part of the Antler startup program

We’re Cape, the business credit card giving you cashflow control

Join the waitlist

We can't wait for you to be part of our waitlist and take advantage of Cape's partner rewards program.
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Never go over budget again

We’re your Spend Management Guardian

No more flying blind with the CapeSimulator that puts you in control to confidently spend

See how all decisions will impact your cashflow over the coming months before committing to them.

Cape helps you work as a team to better manage spend

Empower your team without losing valuable insights on where you can save money or accumulate points back to the business when personal credit cards are used, by easily creating cards with allocated spending limits to each team member and an ability to cancel limits with a click.

Say goodbye to rogue receipts and expense reports

Easy-peasy for spenders and managers to save hours every month with just a couple taps when all spend is captured on a Cape card

Loyalty made easy
With great power comes great savings (and rewards)

Never leave money on the table again with Cape Rewards

Make Cape the way you buy and manage subscriptions so that we can apply exclusive partner discounts across all the most common categories of business spend & we’ll ensure you never miss out on points.

Cape ensures you never overspend on subscriptions

Cape analyses all your spend to help you reduce costs and stop wasting money on services you’re already paying for such as SAAS subscriptions.

Points for all you spend

Cape puts you in control so that you can rack up points from all your company spend and redeem them whenever you want. Simple.

Cashflow forecasting tools to help you manage your runway
We’re levelling the playing field with outward looking cash flow tools so that you always know your runway and can pounce on great revenue opportunities

"It's impossible to find something that offers the financial flexibility to invest both in growth and fund our T&E and procurement spend, all without a Personal Guarantee"

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We’re Cape, the Corporate Credit Card giving you cashflow control