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Cash Flow
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Debt
$0
Clean slate
Active facilities
None
Monthly repayments
$0 / mo
Position
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My Facilities
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Your facilities
| Facility | Provider | Type | Limit | Drawn | Available | Rate | Next repayment | Status |
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Paid off & closed facilities
INSTANT LENDER MATCH
Find your perfect finance match
Answer a few quick questions and our AI will scan 83+ lenders in real-time, matching you to the best rates, fastest approvals, and products tailored to your business.
83+
Lenders Scanned
2 min
Average Match Time
$250M
Matched This Year
98%
AI Accuracy
What type of finance are you looking for?
AI Matched
Unsecured Business Loan
Fast access to capital with no assets required. Ideal for working capital, growth, or seizing opportunities.
UP TO $500K
NO SECURITY
24HR APPROVAL
Secured Business Loan
Use property or assets as security to access larger amounts at lower rates. Best for major projects.
UP TO $5M+
LOWER RATES
LONGER TERMS
AI Matched
Line of Credit
Draw down and repay as needed. Only pay interest on what you use. Perfect for cash flow management.
REVOLVING
FLEXIBLE DRAWDOWN
INTEREST ONLY
Trade Finance
Fund imports, exports, and supply chain operations with flexible trade finance solutions.
IMPORT/EXPORT
SUPPLY CHAIN
Intelligence
Credit Health
Personal Business Score
illion
738/850
Good
↑ since last month · steady improvement
Business Pulse
86
/100
Excellent
Estimated Borrowing Strength
Highly likely
Based on your score, approval for finance is highly likely.
Credit Trend
Improving
Trending up
Credit Drivers
Payment History
96%Excellent
Revenue Stability
92%Excellent
Debt Utilisation
74%Good
Credit Age
81%Very Good
Credit Enquiries
65%Fair
Business Profile
88%Very Good
What's Helping
Strong payment history
No missed repayments reported.
Stable revenue
Your revenue has remained consistent.
Low debt risk
Your debt obligations are well managed.
Long business history
Established trading history strengthens your profile.
What's Hurting
Higher credit utilisation
Freeing up some available credit could lift your score.
Recent credit enquiries
A few enquiries in the last quarter may soften your score for a short while.
Director credit events
Personal credit events can carry weight in lending decisions.
Credit Timeline (last 6 months)
FEB
+14
No missed repayments
MAR
+8
Revenue remained stable
APR
-6
Two credit enquiries
MAY
+7
Debt utilisation reduced
JUN
+9
Loan balance paid down
JUL
+18
This month's increase
Current trend: Improving ↗
Borrowing Readiness
Working CapitalHigh
Equipment FinanceHigh
Vehicle FinanceVery High
Property LendingModerate
Unsecured Business LoanHigh
Active Credit Accounts
| Facility | Provider | Balance | Limit | Utilisation | Status |
|---|---|---|---|---|---|
| Business Loan | Commonwealth Bank | $120,000 | $150,000 | 80% | Current |
| Vehicle Finance | Toyota Finance | $42,350 | $50,000 | 85% | Current |
| Business Credit Card | ANZ | $18,700 | $55,000 | 34% | Current |
| Equipment Finance | Westpac | $65,000 | $80,000 | 81% | Current |
Credit Summary
Credit Bureauillion
Last Updated17 Jul 2026
Active Facilities6
Total Credit Limits$390,000
Total Current Balance$245,050
Credit Utilisation62%
Defaults0
Court Actions0
Bankruptcies0
Payment Defaults0
Recent Enquiries (90 days)3
Hardship FlagsNone
Recent Credit Activity (vs last quarter)
New Credit Enquiries3from last quarter
Accounts Opened0from last quarter
Accounts Closed0no change
Late Payments0no change
Defaults Added0no change
Hardship Accounts0no change
View full activity →
Industry Benchmark (retail)
Your BusinessIndustry AvgTop 25%
Credit Score738681752
Business Pulse867991
Credit Utilisation62%67%45%
Payment History96%88%97%
You're performing better than most businesses in your industry.
Improvement Simulator
Reduce credit utilisation to 30%
Could give your score a meaningful lift
No new enquiries for 6 months
Helps your score steadily recover
Maintain on-time payments
Keeps your profile strengthening over time
Credit Coach
Overall, your business has a healthy credit profile. The clearest opportunity is easing your credit utilisation, which would help strengthen future lending applications.
Top Priority Actions
1Reduce revolving balances where you can
2Avoid unnecessary credit enquiries
3Keep maintaining your repayment history
Estimated improvement timeframe
3 – 6 months
Your data is secure and encrypted. Kapio does not share your credit information.
Document Vault
12 files
Document
Type
Date
Status
Bank Statements
Kapio Radar
Your account, watched 24/7: every transaction swept for new payments, irregularities and savings.
Potential savings found
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Swept clean
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Monitored
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Signals live
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Data through
Radar spotted
Updates
Notifications
Nothing yet. Updates from Kapio, and replies to anything you've reported, turn up here.
Goals
0 goals
Set a target and Kapio tracks it automatically from your real numbers. No spreadsheets, no manual updates. Savings, revenue, cash flow or debt, all in one place.
Conversations
Chat with Kapio, your AI finance assistant. Get answers, insights and recommendations based on your real numbers.
Kapio's take today
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Suggested conversations
Start with what matters most right now.
Your conversations
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Profile
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Trading name
ABN
Entity type
Industry
Notification Preferences
Email & SMS notificationsReminders, alerts and updates from Kapio
App notificationsOffers, requests from your broker, and replies
Offers & requestsAlways on, the things waiting on you
Money updatesCash-flow alerts, credit score changes, and Radar
From the Kapio teamService messages and product news
Security
Password
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Two-factor authenticationTurned on and off in the Kapio app
Danger Zone
Opportunities
Live opportunities our brokers are seeing in business lending. Tap any card to explore it with Kapio.
Asset & Equipment Finance
Finance up to
$2,000,000
Finance what you need. Keep your cash.
Fund equipment, vehicles, and machinery without draining your working capital. Repayments are fixed and predictable, built around your cash flow.
Terms
1 – 7 years
Finance
Up to 100%
Approval
24 – 48 hrs
Security
Asset only
✓ No property security required
✓ Tax-deductible repayments
✓ Fixed payments
Repayment estimator
Indicative only. Your broker will confirm exact terms.
Asset value
$100,000
Monthly repayment
$1,940
Total repayable
$69,840
Based on ~7.5% p.a. indicative rate · actual rate set by lender
Choose your structure
Chattel Mortgage
Own it from day one
You own the asset immediately. Claim depreciation and interest as tax deductions. Ideal for GST-registered businesses who want full ownership.
Best for
GST registered
Ownership
Immediate
★ Most popular
Equipment Loan
Simple, flexible financing
A secured loan against the equipment with fixed repayments and no balloon payment at the end. Clean and predictable cash flow impact.
Balloon
Optional
Rate type
Fixed
Finance Lease
Lower payments, buy later
The lender owns the asset, you use it. Enjoy lower monthly payments with the option to purchase at the end of the lease term.
Payments
Lower
Buy at end
Optional
Operating Lease
Use it, then return it
Short-term access to equipment without long-term commitment. Hand it back or upgrade at the end. Often off-balance sheet treatment.
Commitment
Short-term
Upgrade
Easy
How it works
1
Tell us what you need
Share the asset type, estimated value, and how you plan to use it. New or used, we work with both.
2
We match you to the right lender
Access to 30+ specialist asset finance lenders. We find the structure and rate that fits your business.
3
Fast approval, funds to vendor
Most approvals in 24–48 hours. Funds go straight to the supplier, so you take delivery immediately.
Ready to finance your next asset?
No credit check to get a quote. Your broker will confirm rates and structure within 24 hours.
Invoice Finance
Up to
90% advance
Stop waiting 30–90 days to get paid.
Unlock the cash sitting in your outstanding invoices, today. No property security, no long-term commitment. Get paid when you invoice, not when your client feels like it.
Advance rate
Up to 90%
Access
Same day
Facility
$20k – $5M
Security
Invoices only
✓ No property security
✓ Scales with your revenue
✓ Same-day funding
Cash flow estimator
See how much you could unlock from your outstanding invoices.
Outstanding invoices
$100,000
Cash available today
$80,000
80% advance rate
Reserve (on payment)
$20,000
Released when client pays
Advance rates vary by lender and debtor quality · fees apply
Which structure suits you?
Invoice Discounting
Confidential. You stay in control.
Your clients never know. You continue to collect payment as normal. We just advance you the cash against each invoice. Best for established businesses with strong debtors.
Client aware
No
Collections
You manage
★ Most discreet option
Debtor Finance
Full ledger. We manage collections.
We advance against your whole receivables ledger and manage collections on your behalf. Your clients pay us directly. Best for high-volume businesses wanting to outsource AR.
Ledger
Whole book
Collections
We manage
Selective Invoice Finance
Pick and choose. No commitment.
Finance individual invoices when you need to. No whole-ledger commitment. Choose which invoices to advance against, when you want to, at a competitive flat fee per invoice.
Commitment
None
Flexibility
Per invoice
★ Best for occasional use
How it works
1
Invoice your client as normal
No change to your process. Issue invoices with standard payment terms of 30, 60, or 90 days.
2
Get up to 90% today
Submit the invoice and receive up to 90% of the value within hours, straight to your account.
3
Client pays, you receive the rest
When your client pays, the remaining balance (minus a small fee) is released to you. Simple.
Invoice finance works best when you…
✓Invoice B2B clients (not end consumers)
✓Have $20k+ in outstanding invoices at any time
✓Have creditworthy clients (debtors)
✓Need working capital without taking on more debt
Ready to unlock your cash flow?
No credit check to explore your options. Your broker can have a term sheet ready within 24 hours.
Intelligence
Report
Banking insights
Connect banking to unlock this view
Once your statements are in, this page shows where your money went, who paid you, what you owe and what's coming, for any dates you pick.
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Period
Or pick your own dates
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Cash on hand
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Net movement
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Runway
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Due in 30 days
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Projected close
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Statement
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Where it came from
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Where it went
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Debt & finance
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What's ahead
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Intelligence
Cash Flow Analysis
Linked accounts-
Banking insights
Connect banking to unlock this view
Once we have your bank statements we'll surface money in, money out, lender repayments and cashflow trends, all in one place.
Business health
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Today's summary BETA
Cash flow forecast
Outlook
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Confidence
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Opportunities
View all opportunities →
Today's snapshot: the date range above controls the charts below, not these figures.
Net cash position
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Money in today
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Cash flow today
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Runway
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Surplus periodShortfall period
Income vs spending
MonthlyMoney inMoney outCash flow
Accounts overview
-Intelligence
Income
Banking insights
Connect banking to unlock this view
Once we have your bank statements we'll surface money in, money out, lender repayments and cashflow trends, all in one place.
Income health
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Today's insights BETA
Total income
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Forecast · next 90 days
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Projected from your recent averages.
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Intelligence
Spending
Banking insights
Connect banking to unlock this view
Once we have your bank statements we'll surface money in, money out, lender repayments and cashflow trends, all in one place.
Spending health
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Today's insights BETA
Total spent · -
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Potential savings
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Recurring costs worth a review.
Subscriptions
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Loans & finance
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Suppliers
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materials & stock
Spending trend
Monthly-
Top suppliers
By spendSubscriptions
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Operating expenses
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Intelligence
Debt Intelligence
Banking insights
Connect banking to unlock this view
Once we have your bank statements we'll surface money in, money out, lender repayments and cashflow trends, all in one place.
Debt Intelligence
You're debt-free
No SME lender repayments or drawdowns detected against your account. Your cashflow isn't carrying any debt servicing right now, which is a clean position to grow from.
Debt health
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Today's insights BETA
Total debt
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across your facilities
Borrowed
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Refinance opportunity
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View opportunities →
Total debt
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across facilities
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active
Debt to income
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annualised
Your facilities
-Repayments by lender
Monthly-
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Borrowed
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Repaid
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Interest breakdown
Annualised-interest / yr
Report / Budget Planner
Intelligence
Budget Planner
Plan ahead with confidence. Track income, expenses and cash flow to stay in control.
12-month projection · updated live
Projected Revenue
$0
per month
Projected Expenses
$0
per month
Projected Surplus
$0
per month
Cash Balance (Projected)
$0
at end of 12 months
Cash Flow Overview
RevenueExpensesSurplus
12-Month Projection
| Month | Revenue | Expenses | Surplus | Cumulative |
|---|
View full 12-month projection →
Projections apply your entered monthly income and expenses evenly across each month.
Your Budget Inputs
Editing these updates every figure above
Income Sources
Total Monthly Income$0
Expense Items
Total Monthly Expenses$0
Expense Breakdown
Add expense items to see the breakdown.
What I need from you
0 pending
Task
Status
Date
Priority
Messages
Secure
My Applications
0 applications
All your loan applications and facilities
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Browse hand-picked products from our network or let our AI scan 83+ lenders to find your best match.
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Select product type
Business Loan
Working Capital
Line of Credit
$10k$5M
Your broker will review and match you with the best options from 83+ lenders.
Refinance Options
0 opportunities
Total savings: $0/yr
Market News
RBA
2 hours ago
RBA Holds Rates at 4.1%
The Reserve Bank has maintained the cash rate at 4.1%, citing balanced risks to the economic outlook. Business lending conditions remain stable heading into Q2.
Lender
1 day ago
Lumi Launches New SME Product
New unsecured business loan up to $500k with streamlined approval. Competitive rates starting from 8.9% p.a. for qualifying businesses.
Industry
3 days ago
Construction Sector Growth Forecast
Building approvals up 12% in Q4, signalling strong demand for commercial and residential projects. Equipment finance demand expected to rise.
Lender
1 week ago
NAB Cuts Business Lending Rates
NAB reduces rates on business term loans by 0.25%, effective immediately. Existing customers may be eligible for automatic rate adjustments.
Credit Score
Business Credit Score
680
Fair
300500650750850
Business Credit Score680
Personal Credit Score (Director)720
Defaults0
Court Actions0
Credit Enquiries3
Score Factors
Payment HistoryGood
Credit UtilisationFair
Credit History LengthFair
Recent EnquiriesGood
Your credit score is in the fair range. Reducing credit utilisation and maintaining on-time payments will help improve your score over time.
Borrowing Calculator
Loan Details
Your Repayments
$6,847
per month
Total Repayments
$164,328
Total Interest
$14,328
Your Business Financials
Estimated Borrowing Power
$186,700
estimated maximum
Surplus
$9,335
Serviceability
Good
Est. Rate
8-12%
This is an estimate only. Actual borrowing capacity depends on lender criteria, security, and business history.
Compare Rates
Your Savings
$0
saved per year
Monthly Saving
$0
Total Over Term
$0
Rate Reduction
0.0%
Current Annual Cost
$0
Tax Hub
New
Refinance your tax debt and pay less to the ATO each month. The ATO is the most expensive lender most businesses ever deal with.
Tax Debt Calculator
Compare an ATO payment plan against refinancing through Kapio.
ATO Payment Plan
Paying the ATO directly
$6,250
per month
Term24 months
GIC interest (approx.)$25,000
Total repayable$150,000
Recommended
Refinance with Kapio
A tax-friendly business lender
$5,035
per month
Term36 months
Total interest (indicative)$56,250
Total repayable$181,250
Monthly cash-flow you'd free up
$1,215 / month
That's $14,580 back in working capital across the first 12 months.
Calculations are indicative. ATO assumes a 20% General Interest Charge premium over the term (current GIC is ~11.34% p.a., compounding daily, not tax deductible). Refinance uses a typical 45% cost-of-borrow premium over the loan term, varying by lender, security and credit profile. Get a real quote from your Kapio team for exact numbers.
Why specialist lenders are friendlier than the ATO
Three reasons most growing businesses refinance their tax debt rather than fight the ATO on their terms.
Tax deductible interest
ATO General Interest Charge (currently ~11.34% p.a., compounding daily) is not tax deductible. Interest on a business loan used to pay tax is. That means the after-tax cost of refinancing is materially lower than the headline rate suggests.
No Director Penalty risk
Once the ATO is paid out, the threat of Director Penalty Notices, garnishees and personal liability for company tax debts is removed. A commercial lender follows standard hardship and recovery processes, not the Commissioner's powers.
Cash flow you can plan around
ATO plans typically run 12–24 months. A refinance can stretch to 3–5 years, halving the monthly burden so you can keep paying wages, suppliers and growth, not just yesterday's tax bill.
BAS & quarterly obligations
If you're registered for GST, you'll lodge a Business Activity Statement (BAS) each quarter. Most businesses also have PAYG instalments (income tax) and PAYG withholding (employee tax) due at the same time. Falling behind is the most common way tax debt snowballs.
Q1
Jul – Sep
Due 28 Oct
Q2
Oct – Dec
Due 28 Feb
Q3
Jan – Mar
Due 28 Apr
Q4
Apr – Jun
Due 28 Jul
Lodging through a registered BAS or tax agent typically gives you an extra ~4 weeks. Dates shift if a due date falls on a weekend or public holiday. Always confirm with your accountant or the ATO.
GST threshold
$75,000 turnover
$150k for not-for-profits
Current GIC rate
~11.34% p.a.
Compounding daily, not deductible
PAYG instalments
Quarterly
Pre-payment of expected income tax
Ready to clear the ATO and breathe again?
Your Kapio team will quote you against specialist lenders that refinance tax debt, including unsecured options up to $500k and secured deals to $5m+.
Exclusive Access
Marketplace
Hand-picked lending products from our network, with exclusive rates for Kapio clients.
All rates and terms shown are indicative and subject to lender approval, credit assessment, and business eligibility. Kapio does not guarantee approval or specific rates. Your broker will confirm exact terms before any application proceeds. Offers may change without notice.