Banking Intelligence

Empowering Your
Business Cash
Flow

Kapio reads your bank statements and turns every transaction into the cash flow signals, refinance opportunities and lender-ready reports Australian businesses actually need.

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Free to start · No credit card · 5-minute setup

Kapio Banking Intelligence preview
500+
Australian
businesses on Kapio
$2.4M+
in lender offers
surfaced this year
Built for Aussie SMBs
No. 1
Live signal
Cash flow uplift
+18%
+$284k saved
Smart cash flow intelligence

Real bank data,
real business clarity.

Your financial story should not be a guess. Kapio reads every deposit, repayment and transfer from your business account — and turns it into the signals that drive smarter decisions.

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● Overview · 11 months LIVE
Money in
$3.50M
avg $318k/mo
Money out
$3.49M
avg $317k/mo
Every dollar, accounted for.
Kapio captures and categorises every deposit, repayment and transfer the moment it lands.
Income
● Money in +18%
$3.50MTotal · 11 months
Top payer
Telegraphic transfers $1.56M
Every payment, tracked.
Money in, broken down by source.
Spending
● Money out 11 MO
Telegraphic45%
Loan repays19%
Wages18%
Tax9%
Spending, decoded.
See where every dollar goes — and exactly why.
B
Bizcap
Direct debit
-$1,994
S
Stripe payout
Deposit
+$8,420
A
ATO
Quarterly BAS
-$4,820

It's time to feel in control
of your business cash.
makes managing it simple, smooth, and effortless.

Why Kapio

Four quick steps
to cash flow clarity

See every deposit, instantly.
Connect your business bank account once. Kapio reads every transaction in real time and tags it — no spreadsheets, no manual entry.
Kapio income view
Stripe payoutDeposit received
+$8,420
Spot the spending
that's eating your margin.
Drill into the categories that drain your cash. See exactly where the leaks are, then act before they hurt.
Kapio spending view
Works with every Australian bank.
🇦🇺 AUD
Bank statements, sorted automatically.
May statement · 312 lines
Stripe payout Income
Bizcap Loan
ATO Tax
See every Kapio signal,
in one place.
View more

Your business cash,
in your pocket

Connect your bank
Cash low — 9 days to zeroLive signal
Connected banks
CBA
NAB
ANZ
WBC
+12
Stripe payoutDeposit received · 2 min ago
+$8,420
Cash health LIVE
82 /100
+6 pts vs last quarter
Cash flow
$284k saved
18%
8-month uplift since joining Kapio
Refinance
3 offers ready · from 7.2% p.a.
KappyYour finance copilot
"You're spending $1,994/wk on short-term loans. Refinance to save $847/mo."
Bizcap repaymentDirect debit
−$1,994

How Kapio
works for you

Plug Kapio into your business in minutes. From bank statements to lender-ready reports — everything you need to grow, in one feed.

  • 01
    Create your free Kapio account.
    Sign up with your email and your business ABN. Takes under two minutes, no credit card required.
  • 02
    Connect your business bank.
    Link any Australian bank in 60 seconds — secure, read-only access. No spreadsheets, no manual uploads.
  • 03
    Get instant cash flow signals.
    Kapio surfaces patterns, risks and opportunities from your data — the kind of analysis your accountant charges hourly for.
  • 04
    Match with refinance offers.
    If short-term loans are eating your cash flow, Kapio surfaces consolidation options from a panel of trusted Aussie lenders.
  • 05
    Apply with lender-ready reports.
    Your cash flow data is formatted exactly the way lenders want to see it — apply with confidence, knowing your numbers are right.
Kapio
LIVE
82
/ 100
Cash health
Strong & rising
+6 pts vs last quarter
Recent transactions
B
Bizcap repayment
22 May 2026 at 11.00 am
−$1,994.00
A
ATO BAS payment
21 May 2026 at 3.30 pm
−$4,820.00
✦Instant Cash Flow Insights ✦Real-time Bank Sync ✦AI-Powered Signals ✦Refinance Opportunities ✦Lender-Ready Reports ✦Instant Cash Flow Insights ✦Real-time Bank Sync ✦AI-Powered Signals ✦Refinance Opportunities ✦Lender-Ready Reports