Financial intelligence

Get a pulse on
your business
finance

Cash flow, lending and credit intelligence — one platform helping Australian businesses see clearly and move faster.

Cash Flow
Cash Flow
Real-time cash flow,
forecast 90 days ahead
Connect your bank in 2 minutes. Every dollar in and out, projected forward.
Net cash · 30 days
▲ 12.4%
$77,368
Runway
8.4 mo
at current burn
+
90
$
Lending
Lending
Every facility tracked.
Better rates on demand.
Monitor every loan, line and repayment in one view — benchmarked against 83+ lenders.
Active facilities
3 active
NNAB Term Loan $320k
CCBA Overdraft $150k
PProspa WC $85k
Better matches
5 found
Save up to 2.1% APR
+
%
Credit Intelligence
NEW
Your credit score,
monitored in real time
Free reports, change alerts and AI guidance on what's hurting your score — and how to fix it.
782
Score
Excellent
Top 18% in AU
This month
▲ 24 pts
Lower utilisation
Detected 3 days ago
+
!
500+ businesses across Australia trust Kapio
NABCBAProspaLumiOnDeckJudoWestpacANZ
Access the finance intelligence
you need, fast
See every loan, rate, and repayment in one place
Active Facilities
NAB Term Loan$320k
CBA Overdraft$150k
Prospa WC$85k
Real-time facility tracking with zero manual entry. Your entire lending portfolio, automatically synced.
Intuitive
Intelligence.
Business Pulse
71 Good
Credit 15/25Revenue 12/25Debt 22/25
AI-powered health scoring that tells you exactly where you stand and what to do next.
Get matched with 83+ lenders in under 2 minutes
Access capital in as little as 24 hours, so you can capitalise on growth opportunities.
Banking Intelligence

Your numbers, finally making sense.

Connect your accounts and Kapio turns every transaction into signals. No spreadsheets. No copy-paste.

app.kapio.com.au  /  Overview
Kapio Banking Intelligence dashboard
See the full product ↗
Income Intelligence
Every revenue stream tracked and tagged. Spot your most reliable income, surface anomalies, forecast forward.
Spending Intelligence
AI categorises every dollar going out. See where money goes, where to cut, and where you're leaking value.
Debt Intelligence
Every loan, line and repayment tracked — flagged for refinance the moment a better rate appears.
Intelligence
Intelligent lender
matching, instantly.
Your profile is analysed against 83 lenders in real time. The best-fit products surface automatically.
83+ lenders
scanned
83+ lenders connected
Insights into Your
Lending Network
Real-time matching across 83+ lenders
L
Lumi Business
8.9% p.a.
98%
P
Prospa SME
9.9% p.a.
94%
O
OnDeck Flexi
10.5% p.a.
87%
J
Judo Bank
7.2% p.a.
82%
83+ connected lenders
Your Dashboard
Financial intelligence,
all in one place.
Kapio App
CFO in Your Pocket
Your entire lending portfolio, health score, and lender matches — always with you.
AI Lender Match
Your profile analysed against 83 lenders. Best-fit products ranked by rate, terms, and approval odds.
Built for
Australian Business
From tradies to tech — Kapio understands the unique challenges of Aussie SMEs.
Business Pulse
71
Good
Cash Flow Insights
0.72
ratio
healthy
Track real-time revenue and expenses so efficiency becomes effortless.
Revenue
$77,368
Expenses
$86,160
Always-On Monitoring
Kapio watches your facilities and the market 24/7. Rate drops, refinance windows, payment reminders — automated.
83+LIVE
Lenders Tracked
$7.3kSAVED
Annual Savings Found
24DOCS
Verified Files
2ACTIVE
Facilities Monitored
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.
Your business
capital, always
in your pocket.
Live facility tracking
See every loan, rate, and repayment updated in real time.
Business health score
AI-powered pulse score shows exactly where you stand.
Rate drop alerts
Notified the moment a better rate appears across 83+ lenders.
Instant lender matching
Matched against 83 lenders in under 2 minutes.
Kapio App
Your Team
Real people who
actually care.
Samuel Sebastian
Senior Finance Advisor
"I spotted a refinance for a client that saved them $14k/year. That's what makes this job worth it."
$30M+
Settled
340+
Businesses helped
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
Credit & Health Analyst
"I help businesses understand their credit position and what levers to pull for better rates."
24/7
Monitoring
83
Lenders tracked
Meet Kappy
Your AI finance companion that understands your business and helps you make smarter lending decisions.
+ 01 Function
"Can I refinance my NAB overdraft?"
"Yes — Judo Bank at 7.2% could save you $2,940/yr. Want me to connect you with Samuel?"
Kappy is typing...
Ask Anything
Instant answers about your loans, rates, and opportunities.
+ 02 Function
Refinance opportunity
Save $2,940/yr on NAB
NEW
Rate alert
Lumi dropped to 8.9%
Health update
Score improved to 71
Smart Recommendations
Proactive insights surfaced based on your business profile.
+ 03 Function
SS
Kappy connects you with
Samuel Sebastian
Senior Finance Advisor
Broker Connection
Seamlessly hand off to your dedicated broker when ready.
Why businesses
trust Kapio
98%
client satisfaction. Real people, real savings.
$250M+
in business finance matched and settled this year.
500+
Australian businesses actively using Kapio.
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
Asset Finance
Finance equipment, vehicles and machinery — without touching property
Kapio matches you with specialist asset finance lenders. Compare chattel mortgage, hire purchase, and finance lease options side by side — repayments and tax benefits calculated automatically.
Vehicles, equipment, machinery and technology
Chattel mortgage, hire purchase and finance lease
Up to 100% of asset value — no deposit required
Tax-effective — deduct interest and claim depreciation
Vehicle
Equipment
Machinery
ANZ Equipment Finance Matched
7.9% p.a.
$125,000
48 months
Monthly repayment
$3,072/mo
Chattel Mortgage
03
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%
04
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.
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