Capify (formerly AmeriMerchant, United Kapital, AUSvance and True North Capital) is an alternative finance provider powered by proprietary technology and analytics. Capify leverages a proprietary underwriting platform to provide working capital solutions to small- and medium-sized businesses in the USA, UK, Australia, and Canada, including merchant cash advances, business loans and inventory purchase programs. Business owners can apply online and receive decisions in 60 seconds or less at the company's various websites.