Your business credit score,
free every quarter.

Your business has its own credit score, separate from your personal one. Kapio checks it free every quarter, and it is a soft check, so it never affects your score and never shows up on your file.

No impact on your score Never on your file Free, every quarter
See how it works
A business owner checking their credit position
Soft check only. Kapio reads your business credit score without leaving a mark. It never touches your score, and never appears on your credit file.
Soft check · no impact on your file
Your business credit score
free, every quarter
0
Very good ↑ 8
Last 4 quarterly checksNext free check in 12 days
Every repayment on timeHelping
Card sitting at 74% of its limitHolding you back
Free, and checked with a soft enquiry. It never touches your score, and never shows on your file.
02 · CREDIT

See your business credit score without touching it.

One free business credit score check every quarter, using a soft enquiry that leaves no mark on your file. Kapio tells you exactly what is moving your score, without the credit jargon, so you are never guessing.

How it works

Free, checked quietly,
explained plainly.

1
A soft check, not a hard one

Kapio retrieves your business credit score with a soft enquiry. It does not affect your score, and it is not visible to anyone assessing your business later. There is no cost, and no card required.

Free. One check per quarter, and never a mark on your file.
2
Written like a person, not a credit report

Instead of a number and a PDF full of terms you would have to look up, you get what is helping your business, what is holding it back, and what would move the needle.

"Your card sitting at 74% is the thing holding you back."
3
A free check every quarter

Your score is checked once every 90 days at no charge, so you see the direction your business is travelling rather than a single snapshot from the day you happened to look.

Next free check in 12 daysAutomatic. Nothing to pay, ever.
What actually moves it

Not everything counts
the same amount.

Most owners find out what hurt their business credit long after it happened. These are the things that carry real weight, and where yours currently sits.

How much each one weighsYour business credit score today
Paying on time
Suppliers, facilities and the ATO
Helping
How much credit you are using
Sitting near your limit reads as pressure
Holding you back
Applications you have made
Every formal application leaves a footprint
Neutral
How long you have been trading
Time builds a track record you cannot rush
Building
Court actions and defaults
The heaviest mark a business file can carry
Clear
Kapio watches all of these on your behalf, free, so if one starts drifting the wrong way you hear about it while there is still time to do something.
Two files, not one

Your business credit is
not your credit.

Most owners assume there is one score following them around. There are two. They are built from different things and looked at by different people, for different reasons. The one Kapio checks free for you is the business one.

Personal file
You, as an individual

Follows you personally, whatever you do for work.

Tied toYour name and date of birth
Built fromPersonal cards, car and home loans, phone and utility accounts
Looked atWhen you borrow personally, or rent somewhere to live
Stays withYou, even if the business closes
vs
Business file
Your business, as its own entity

This is the one Kapio checks free for you every quarter.

Tied toYour ABN or ACN, not you
Built fromSupplier terms, business facilities, how promptly the business pays
Looked atBy suppliers setting your terms, and anyone assessing the business
Stays withThe business, and follows it as it grows
Your costNothing. One free check every quarter.

They move independently. A spotless personal record does not mean your business looks strong to a supplier, and a business that pays everything on time will not repair a personal file. Knowing which one is being looked at, and why, is half the battle.

Common questions

Before you ask.

Is this my business credit or my personal credit?

Kapio checks your business credit score, the one tied to your ABN rather than to you personally. They are two separate scores built from different information, and this page is about the business one. It is free.

Why does my business have a different score to me?

Because they are built from different things. Your personal file reflects personal borrowing, while your business file reflects how the business itself pays suppliers and facilities. One can look strong while the other does not.

Does checking my credit through Kapio affect my score?

No. Kapio uses a soft enquiry, which does not affect your business credit score and is not treated as an application. You get one free check every quarter.

How much does it cost?

Nothing at all. Your business credit score is free, with one check included every quarter. There is no subscription and no card required.

How often do I get a free check?

Once every quarter, roughly every 90 days, without you having to do anything. That means you see a trend over time rather than a single snapshot.

What if my business credit score is poor?

Then it is better to know. Kapio shows you what is weighing on it and what would improve it, so you can work on it deliberately instead of hoping.

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 → Understand your capital What you owe, what it costs you, and what you can genuinely afford. Read more → Your data, your control Open banking under the Consumer Data Right. Read only, and reversible. 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.