Kapio Intelligence

Get a pulse on your
business finance.

Introducing Kapio. A free platform that takes the guesswork out of managing your business loans, rates, and credit.

$0
↓ 12.4% · Across 3 active facilities
NAB Term Loan7.8% · $320k
On track
CBA Overdraft10.2% · $150k
Above market
Prospa WC12.1% · $85k
Refinance available
0
↑ Best rates for your profile · 83 lenders scanned
Lumi Business Loan8.9% p.a. · Unsecured
98%
Prospa SME Line9.9% · $5k-$300k
94%
OnDeck Flexi10.5% · $10k-$250k
87%
Judo Bank Term7.2% · Secured
82%
0
Strong · Top 15% of businesses
Revenue trend
↑ Growing
Debt-to-revenue ratio
0.32x
Cash reserves
Healthy
$0
↑ Potential savings identified
Lumi dropped to 8.9%
Save $7,360/yr vs your current rate
Act now
Alerts today
3
Lenders monitored
83
Your current rate
11.2%
0
Good · ↑ 12 pts this month
Credit utilisation
28%
Payment history
100%
Defaults
None
500+ businesses across Australia trust Kapio
NABCBAProspaLumiOnDeckJudoWestpacANZ
Kapio's platform powers every
corner of your business finance
Your complete dashboard
See every loan, rate, and repayment in one place
Real-time facility tracking with zero manual entry. Your entire lending portfolio, automatically synced.
Facilities
Active Facilities
NAB Term Loan$320k7.8%
CBA Overdraft$150k10.2%
Prospa WC$85k12.1%
Track every facility with live rate comparison against market benchmarks.
Repayments
Mar 24
Next repayment
$4,200
NAB Term Loan
Never miss a payment. Automatic calendar sync and reminders.
Real-time rate monitoring across 83 lenders
Continuous market scanning. The moment a better rate appears for your profile, you'll know about it.
Live Alerts
New alert
Lumi ↓ 8.9%
Save $7,360/yr
Alerts today3
Lenders tracked83
Market Rates
YOUR RATE
9.2%
MARKET AVG
10.8%
1.6% below market
AI-powered lender matching finds your best deal
Your profile is analysed against 83 lenders in real time. Best-fit products surface automatically.
Matched Products
AI Matched · Best fit for your profile
Lumi Business Loan8.9%98% match
Prospa SME Line9.9%94% match
OnDeck Flexi10.5%87% match
Judo Bank Term7.2%82% match
Monitor your financial health continuously
Live Equifax credit scoring plus our proprietary Business Health Score. Know exactly where you stand.
Health Score
87
Strong · Top 15%
Revenue trend↑ Strong
Debt ratio0.32x
Credit Score
742
Good · ↑ 12 pts
Utilisation28%
DefaultsNone
Secure document vault for everything
Every loan agreement, bank statement, and credit report. Searchable, organised, encrypted.
Recent Documents
Document Vault · 24 files
NAB_Term_Agreement.pdf2 days ago
CBA_Overdraft_Facility.pdf1 week ago
Prospa_Statement_Q4.pdf2 weeks ago
Equifax_Credit_Report.pdf1 month ago
Intelligence
Intelligent lender
matching, instantly.
Your profile is analysed against 83 lenders in real time. The best-fit products surface automatically — ranked by rate, terms, and approval probability.
Lender Match
Refinance Finder
Your Business
$320k revenue 2yr trading Credit: 742
Scanning 83 lenders...
Lumi Business Loan
8.9% p.a. · $50k-$500k
98%
Prospa SME Line
9.9% p.a. · $5k-$300k
94%
OnDeck Flexi Loan
10.5% p.a. · $10k-$250k
87%
Judo Bank Term
7.2% p.a. · $100k-$5M
82%

Refinance Opportunities

NAB Term Loan → Lumi Business
Current: 11.2% · New: 8.9%
↓ 2.3%
↑ Save $7,360/yr on this facility alone
Prospa WC → OnDeck Flexi
Current: 12.1% · New: 10.5%
↓ 1.6%
↑ Save $1,360/yr on this facility
Total savings: $14,200/yr
Across 2 refinance opportunities
Your Dashboard
Financial intelligence,
all in one place.
Every tool you need to monitor, manage and optimise your business finance — live.
app.kapio.com.au/dashboard
K Kapio
Client Portal
Overview
Dashboard
My Facilities
Opportunities
My Tasks
Application History
Products
Apply for Finance
Refinance Options New
Asset Finance New
Invoice Finance
Intelligence
AI Lender Match
Business Health
Cash Flow Forecast
Credit Score

Welcome, Keller Building Group

Connect your data and our AI matches you with 83+ lenders in under 2 minutes.

Health Score
71
Good
Credit Score
~700
Estimated
Lender Matches
7
Best rates matched
Quick Start
1 of 4 complete
Cash Flow
Revenue & surplus
AI Lender Match
83+ lenders
Credit Score
Free Equifax
Statements
Submitted ✓
My Facilities
NAB Term Loan7.8% · $320k
On track
CBA Overdraft10.2% · $150k
Above market
Prospa WC12.1% · $85k
Refinance available
87
Health Score
Revenue↑ Growing
Debt ratio0.32x
Cash reservesHealthy
AI Lender Match 4 matches
Lumi Business
8.9% p.a. · Unsecured
98%
Prospa SME
9.9% · $5k-$300k
94%
OnDeck Flexi
10.5% · $10k-$250k
87%
Judo Bank
7.2% · Secured
82%
742
Equifax Score
↑ 12 pts this month
Utilisation28%
Payments100%
Rate Alert
Lumi dropped to 8.9% — save $7,360/yr vs your current rate
Review savings →
Why businesses pick Kapio
Four ways Kapio puts you
back in control
Most businesses manage their finance in the dark. Kapio gives you total transparency, live intelligence, and the tools to act on it.
Loan Transparency
See everything about your loans — in one place
Rates, balances, repayment schedules, balloon dates. No more calling your broker to ask basic questions about your own money.
Total facilities tracked
$712k
Next repayment
Mar 12 · $4,200
Live Capital Updates
Know the moment a better deal exists for your business
Rate cuts, new lenders, refinance windows — monitored across 83 lenders in real time.
Rate Alert — Lumi dropped to 8.9%
Saving $14,200/yr vs your current rate
Act now
Lending Intelligence
Understand exactly why you qualify — and how to improve
Your health score shows what lenders see — and the levers to pull to unlock better rates and higher limits.
Business Health Score 87
Strong↑ 4 pts this month
Virtual CFO
Your capital, always working. Even when you're not.
Kapio monitors, alerts, and acts — like a CFO on call, 24/7.
The bigger picture
Stop managing money.
Start growing your business.
When you have full visibility over your capital — what it costs, where it sits, and what it could be doing — you can stop firefighting and start making real moves.
Support
Behind every dashboard,
real people who care.
No chatbots. No ticket queues. Just dedicated lending specialists who know your business inside out.
Sarah Mitchell
Sarah Mitchell
Senior Lending Specialist
"I spotted a refinance opportunity for a client that saved them $14k/year. That's what makes this job worth it."
4 min
Avg response
340+
Businesses helped
James Chen
James Chen
Business Finance Advisor
"Every business is different. I take the time to understand yours before recommending anything."
98%
Satisfaction
$50M+
Facilities managed
Emma Torres
Emma Torres
Credit & Health Analyst
"I help businesses understand their credit position and what levers to pull for better rates."
24/7
Monitoring
83
Lenders tracked
Results
Real businesses. Real savings.
★★★★★
"The platform flagged a refinance I didn't know was possible. It found a rate 1.8% below what our bank had us on. It settled in 48 hours."
DK
David K.
Keller Building Group
$450k settled · 1.8% rate saving
★★★★★
"Having all my facilities in one dashboard with alerts when rates shift — it's like having a CFO watching my loans around the clock."
SR
Sarah R.
Refined Interiors Pty Ltd
$280k refinanced · $14k/yr saved
★★★★★
"Applied Monday, conditional approval Monday afternoon, funded Wednesday. The visibility the platform gives you before you apply is a game changer."
MP
Marcus P.
Pacific Trade & Supply
$350k working capital · 24hr settlement
Stop overpaying
on business finance.
Create your free dashboard in under 5 minutes. No credit card. No paperwork.
← Back to home
The Platform

Everything inside your Kapio dashboard.

Three pillars that give you full visibility, lower rates, and smarter decisions — all from one login.

Dashboard & Management
Lending
Intelligence
Dashboard & Management

Your entire lending portfolio. One live view.

See every facility, rate, repayment, and opportunity at a glance — no spreadsheets, no phone calls, no guesswork.

Dashboard
Live overview of all your facilities, rates and repayments
Your entire lending portfolio updated in real time. See total exposure, weighted average rates, upcoming repayments, and rate changes — all in one screen.
Real-time facility values and balances
Weighted average rate tracking
Upcoming repayment schedule
Rate change alerts and history
Next repayment
$12,859
Due in 4 days
Term Loan
Sep 2026
Maturity date
Lender matches
3 new
Since last week
01
My Facilities
Track every loan, line and asset in one place
Every business loan, overdraft, asset finance agreement, and invoice facility — consolidated with lender details, maturity dates, and utilisation rates.
All facility types in one view
Maturity and renewal tracking
Utilisation rates and limits
Lender contact details on file
Term Loan — Working Capital
Active
Limit$500,000
Drawn$455,000
Rate11.2%
02
Opportunities
AI-surfaced refinance and savings opportunities
Kapio monitors rates across 83+ lenders and flags when you could be paying less. Each opportunity shows the potential saving, the lender, and a one-click path to apply.
Automatic rate comparisons
Estimated annual savings shown
One-click apply from the opportunity
Proactive alerts when better deals appear
Best match
$500,000
Save $1,533/mo
Rate9.5%
TypeRefinance
Lenders8 matched
03
My Tasks
Action items, renewals and document requests
Never miss a renewal or document deadline. Your task list is populated automatically based on facility maturity dates, lender requirements, and broker requests.
Auto-generated renewal reminders
Document upload requests from broker
Priority-sorted action items
Completion tracking and history
Term Loan Refinance
In Review
Submitted Assessment Review Approval Settlement
04
Get started free
Track your loans in real time.
See every facility, rate, and repayment in one live dashboard — set up in under 5 minutes.
Kapio Dashboard Overview
Lending

Apply, compare and settle — all in platform.

From application to settlement, every step happens inside Kapio. No PDFs, no back-and-forth emails, no waiting on hold.

Apply for Finance
Submit applications to matched lenders in minutes
Kapio pre-fills your application with data already on file — ABN, financials, facility history. Choose from AI-matched lenders, review terms, and submit without leaving the platform.
Pre-filled applications from your profile
AI-matched lender shortlist
Real-time application status tracking
Secure document upload and e-signatures
Unsecured Loan
from 8.9%
Line of Credit
from 7.5%
Equipment Finance
from 6.2%
01
Refinance Options
Compare your current rates against what's available today
See a side-by-side comparison of your existing facility terms versus live market rates. Kapio calculates the annual saving and shows which lenders are offering better deals right now.
Side-by-side rate comparison
Annual savings estimate per facility
Break cost analysis included
One-click refinance application
Current
11.2%
→
Best available
9.5%
You could save $18,400/yr
02
Invoice Finance
Unlock cash from unpaid invoices — get paid today
Stop waiting 30, 60, or 90 days for payment. Connect your accounting software and see which invoices qualify for finance. Funds can settle in as little as 24 hours.
Accounting software integration
Eligible invoices flagged automatically
Advance rates up to 90%
24-hour settlement available
You unlock today
$40,000
Invoice value$45,000
Advance rate89%
Fee1.8%
03
Get started free
Get live lending rates instantly.
Compare rates across 83+ lenders and apply directly from your dashboard — no paperwork, no phone calls.
Kapio Apply for Finance
Intelligence

AI-powered insights that keep you ahead.

Six intelligence tools that monitor your lending health, predict cash flow, and surface opportunities before you even know to look.

AI Lender Match
Matched to the lowest rate across 83+ lenders — instantly
Our AI analyses your business profile, financials, and facility requirements to rank lenders by likelihood of approval and rate competitiveness. Updated in real time as market conditions change.
83+ Australian lender panel
Ranked by approval likelihood
Real-time rate updates
A
Lender A
9.5%
Best
B
Lender B
9.8%
C
Lender C
10.1%
01
Financial Health
Real-time health scoring across 8 key metrics
A composite score that tracks revenue trends, cash reserves, debt ratios, payment behaviour, and more. Lenders look at these metrics — now you can see them too, and improve them before applying.
8 weighted financial metrics
Trend tracking over time
Actionable improvement tips
83
Revenue Consistency92%
Debt Ratio78%
Payment History95%
02
Cash Flow Forecast
Predictive cash flow modelling for the next 12 months
See projected revenue, expenses, and net cash position month by month. Factor in loan repayments, seasonal trends, and upcoming invoices to plan ahead with confidence.
12-month forward projection
Repayment impact modelling
Seasonal trend detection
Revenue vs Expenses 6-month forecast
Mar
Apr
May
Jun
Jul
Aug
03
Credit Score
Monitor and improve your business credit score
Track your Equifax and Illion scores in one place. Understand what's dragging your score down and get specific, actionable steps to improve it before your next application.
Equifax and Illion scores
Score change notifications
Improvement recommendations
682
Average
PoorFairAverageGoodExcellent
04
Documents
Secure document vault — everything lenders need
Upload financials, tax returns, and bank statements once. When you apply, Kapio attaches the right documents automatically. Encrypted, version-controlled, and always ready.
Bank-grade encryption
Auto-attached to applications
Version history and expiry alerts
Bank Statements — Q4 2025
Verified
Tax Return — FY2025
Pending
BAS — Q3 2025
Required
05
Market News
Curated market intelligence for your business
RBA decisions, lender policy changes, rate movements, and regulatory updates — filtered to what actually matters for your lending portfolio. No noise, just signal.
RBA rate decision coverage
Lender policy change alerts
Personalised to your facilities
RBA holds cash rate at 4.1% — March 2026
2h ago
Major banks tighten SME credit criteria for Q2
5h ago
New non-bank lender enters equipment finance market
1d ago
06
Get started free
Get your free credit score today.
Monitor your business credit, predict cash flow, and unlock AI-powered insights — all inside Kapio.
Kapio AI Lender Match
← Back to home
For Businesses

Your lending, finally under control.

Kapio gives Australian businesses full visibility over their finance — live rates, AI-matched lenders, and a dashboard that replaces spreadsheets, phone calls, and guesswork.

Business Dashboard
Live overview
Total Facilities
$555k
↓ 12.4% vs last year
Credit Score
742
↑ Excellent
Rate Alert:
Lumi dropped business loan rates to 6.2%
The Problem
Sound familiar?
Most Australian businesses manage their finance the same way they did 10 years ago. It's costing them time, money, and opportunity.
Scattered business finance
You're overpaying and don't know it
Most businesses never compare rates after settlement. Your lender counts on that. Meanwhile, better deals exist across 83+ lenders — and you're leaving money on the table.
Rate comparison
Your finance is scattered everywhere
Loan details buried in emails. Rate confirmations lost in PDFs. No single source of truth for your facilities, repayments, or upcoming maturities.
Scattered documents
You only hear from your broker at renewal
Your current broker is reactive, not proactive. You shouldn't have to wait for a phone call to find out a better deal exists. Kapio watches your rates 24/7.
Waiting for broker
The Solution
How Kapio puts you back in control.
Four capabilities that transform how you manage business finance.
01
Full Loan Transparency
Every facility, rate, balance, and repayment in one live dashboard. No more spreadsheets. No more surprises.
02
Live Rate Monitoring
We track rates across 83+ lenders in real time. When a better deal appears, you'll be the first to know — not the last.
03
AI Lender Matching
Our AI analyses your profile against every lender's criteria and returns your best matches in under 2 minutes. 98% accuracy.
04
Expert Support On-Demand
Need help? Our accredited brokers are available when you need them — not just at renewal time. Real people, real advice.
83+
Lenders on panel
$2.1B
Matched to date
< 2 min
Average match time
98%
AI match accuracy
Kapio platform overview
What Businesses Say
Trusted by Australian businesses.
★★★★★
"The platform flagged a refinance I didn't know was possible. It found a rate 1.8% below what our bank had us on. It settled in 48 hours."
DK
David K.
Keller Building Group
$450k settled · 1.8% rate saving
★★★★★
"Having all my facilities in one dashboard with alerts when rates shift — it's like having a CFO watching my loans around the clock."
SR
Sarah R.
Refined Interiors Pty Ltd
$280k refinanced · $14k/yr saved
★★★★★
"Applied Monday, conditional approval Monday afternoon, funded Wednesday. The visibility the platform gives you before you apply is a game changer."
MP
Marcus P.
Pacific Trade & Supply
$350k working capital · 24hr settlement
Get started free
See what your lending really looks like.
Create your free dashboard in under 5 minutes. No credit card. No paperwork.
Kapio Dashboard
Your finance.
Always working.
Log in to your dashboard — live facilities, AI-matched opportunities, market news, and health scoring, all in one platform.
Live facility dashboard & rate tracking
AI lender matching across 83 lenders
Market news curated to your profile
Proactive refinance & growth alerts
Apply and settle — all in platform
← Back to home
Get started free
Set up your business portal in under 2 minutes.
No credit card required. Free for all Australian businesses.
Welcome back
Sign in to your Kapio platform
Forgot password?