Watching what your money costs you
Commitments vs capacity
live
$0/mo
Genuine breathing room, after everything is paid
Repayments 14% Running the business 66% Headroom 20%
Equipment loan$1,840/mo
Card and overdraft$410/mo
A $60k commitment still leaves you covered in your two slowest months.
03 · CAPITAL

Know what you can actually afford.

Every facility, repayment and commitment in one place, measured against real cash coming in. So when you are weighing up a vehicle, a big order or a quiet quarter, you decide on numbers instead of nerves.

How it works

From what you owe
to what you can carry.

9:41
Capital
Live
What you are carryingPulled from your accounts.
Equipment loan$1,840/mo
Card and overdraft$410/mo
Vehicle finance$620/mo
Measured against incomeNot a number in isolation.
14%
of what comes in goes to repayments
Repayments
$2,870
Headroom
$3,100
Could I take on $60k more?
Comfortably. About $1,150 a month, and you would still be covered in your two slowest months.
Stress tested
New repayment$1,150
Slow month left$1,950
Step 01
Every commitment in one place

Loans, cards, overdrafts and repayments, pulled from the accounts you connect rather than typed in from memory.

Step 02
Measured against real income

Kapio works out what those commitments actually cost you as a share of what comes in, not a number in isolation.

Step 03
Answered before you commit

Ask what a new commitment would do, and get an answer tested against your slowest months, not your best ones.

Matched across the market

If you ever need finance,
know your options first.

Most owners only look at lending the week they need it, which is the worst possible time to learn. Kapio keeps you a step ahead: it already knows your numbers, so at any moment you can see what the market would genuinely offer you, before there is any pressure to take it. Pick what you are weighing up and how much it would take.

How much?
Indicative only, matched across the market. Looking costs you nothing and leaves no mark on your credit file.

Can I afford this is the hardest question in small business, because the honest answer depends on a dozen things you cannot hold in your head at once. Kapio holds them for you.

Why we built the capital view
Common questions

Before you ask.

Does Kapio lend me money?

This page is about understanding your own position: what you owe, what it costs you, and what you could carry. It is designed to make you clear headed before any financial decision, not to sell you one.

Where do my commitments come from?

From the accounts you choose to connect. Kapio reads repayments and facilities directly, so the picture reflects reality rather than what you remember signing.

How does it decide what is affordable?

It measures your commitments against the income actually landing in your accounts, and stress tests it against your quieter months so the answer holds when things slow down.

Is this financial advice?

No. Kapio gives you an accurate picture of your own numbers so you can make better decisions, and it is not a substitute for advice from a licensed adviser or your accountant.

Keep exploring

The rest of the picture.

See your cash flow What came in, what went out, and what is actually yours to spend. Read more → Know your credit Checked free with a soft enquiry that never touches your file. Read more → Ask Kapio anything Will payroll clear? What can I afford? Ask, and get a straight answer. Read more →

Smart financial decisions
start with Kapio.

Connect your business in a couple of minutes and see where you actually stand. Free to get started, and nothing touches your credit file.

Data shared under the Consumer Data Right Read only access. You can disconnect any time.