For Australian businesses

See everything.
Know first.

Financial advice for Australian businesses is a middleman industry.

Kapio removes the middleman. Your credit score, cash flow forecast and borrowing power. Live, free, and watching your business every day.

Get started free See how it works
Read only, it can never move money Approved inside your own bank Free to start
Download on theApp StoreGet it onGoogle Play
Free on iPhone and Android.
The Kapio overview: health rings for flow, buffer and load, a pre-approved offer, and credit, kept, revenue and debt cards
Open banking data
illion Open Data Solutions
Accredited Data Recipient under the CDR
Regulated by
Consumer Data Right
Australian Government framework. You stay in control of your data.
Credit checks
No impact on your file
A soft check only. Free, and refreshed every 90 days.
See it in action

Your whole business,
in your pocket.

Not a monthly report you open once and forget. Kapio is on iPhone and Android, so the answer is there in the moment you need it.

The Kapio app overview: what is left after bills, credit score, money kept, monthly revenue and debt, each with its trend
Ask Kapio in the app: a plain-English answer with a chart of net cash kept over the last seven months
An invoice finance opportunity in the Kapio app, explaining how a facility could free up cash from unpaid invoices
Know where you standCredit, cash kept, revenue and debt, each with the trend behind it.
Ask in your own wordsNo dashboards to learn, no jargon to decode.
See what you could unlockFinance options scoped against your real position.
Download on theApp StoreGet it onGoogle Play
A small business owner at ease, confident about where things stand
This is what clarity looks like.Not another dashboard. Just knowing, and being able to get on with it.
Why we exist

We give business owners
clarity on their finances.

You are already checking your banking, watching costs climb, wondering why revenue dipped. Kapio pulls all of it into one place and tells you what it means. Credit, cash flow and capital, finally in the same view.

Know your numbers. Make smarter decisions. Avoid cash flow surprises. Stop second guessing. Grow with confidence.
What we do

Ask it the things you
actually lie awake about.

This is the whole product, really. You ask, Kapio reads every account you have connected, and answers with your own numbers. Pick one and watch.

Tap a question
Real answers, read from the accounts you connect. Free, always.
Kapio
Reading your accounts
The three we watch

Credit. Cash flow. Capital.

What Kapio does is simple: it reads every account you connect and keeps watch over the three things that decide whether your business holds together. Every decision you agonise over comes back to one of them, and Kapio watches all three at once, all the time.

01
$8,200
Left after bills
▲ 21%

Cash flow

Free cash flow reports

Never wonder if payroll will clear. See what is coming in, what is going out, and what is genuinely yours to spend, 90 days ahead.

Explore cash flow →
02
742
Very goodSoft check only. Refreshed every 90 days, free.

Credit

Free credit reports

Your business credit score, checked free with a soft enquiry. No impact on your credit file, ever. Refreshed automatically every quarter.

Explore credit →
03
$3,100
Monthly headroom
20% free
RepaymentsRunning costsYours

Capital

Track every debt

Know what you can actually afford. Every commitment measured against real money coming in, so you decide on numbers instead of nerves.

Explore capital →
Works with your banks

Whoever you bank with,
Kapio reads it.

Connected through open banking under the Consumer Data Right, which covers the banks Australians actually use. Connect one account or every one you hold, and the picture simply gets sharper.

One picture, always current
$0
Available across everything, after tax set aside
Accounts connected5
UpdatedAutomatically
AccessRead only

You never hand over a banking password, and you can disconnect any account at any time.

All of it, entirely free.

No subscription, no monthly fee, and no trial that quietly turns into one. Kapio is free to use, because a business owner should not have to pay to find out where they stand.

No subscription No monthly fee Free credit checks No impact on your credit file
Get started free
Inside the platform

See what is
waiting for you.

A proper look at the real platform, before you hand over a thing. No demo booking, no sales call, and nothing to commit to, because it is free anyway.

app.kapio.com.au
Tony Pas's real Kapio dashboard: credit score, cash kept, revenue and outstanding debt
Tony Pas's real Kapio cash flow analysis: business health, forecast, cash flow trend and top spending categories
Tony Pas's real Kapio credit health: personal business score, business pulse, and what is helping or hurting it
Tony Pas's real Kapio Conversations page: Kapio's take today, suggested conversations and business health
Ask Kapio: suggested openers like improve my cash position, why did revenue drop last month, and where can I reduce costs
Ask Kapio Ask anything about your money and get a straight answer, read from your live accounts. Meet Kapio → Connected accounts Every bank and platform merged into one picture, including the costs your sales tools never show you. See how it merges → Security and data Open banking under the Consumer Data Right. Read only, your choice of accounts, reversible any time. How we handle data →
Who we are

Australian owned, and built
alongside the people using it.

Kapio is an Australian owned financial intelligence platform for small business owners. Not a bank, not a spreadsheet, and not another dashboard you forget to open.

We built it because every big company has a finance team telling them where they stand, and almost no small business does. The people carrying the most risk get the least information. That never sat right with us.

More about Kapio →
Get started free
AustralianOwned and operated here
CDRData shared under the Consumer Data Right
FreeTo get started, with no credit file impact
The part nobody posts about

Running a business is
heavier than it looks.

A business owner working alone at her desk in the evening
Nobody sees this part.The hours after everyone else has clocked off, working out whether the numbers hold.
  • Lying awake wondering if payroll will clear.
  • Not opening the banking app for a few days.
  • Feeling like everyone else has it figured out.
  • Carrying your family's future, quietly, on your own.

Kapio does not fix everything. It does something simpler and, most nights, more useful. It tells you exactly where you stand, so the worry has somewhere to land.

Less stress. More confidence.
You're not in this alone

Every big company has a finance team.
Now you do too.

2am
Still answering when you can't sleep on it.
90days
Your credit refreshed automatically, free.
Money moves watched for you
24/7
1question
From "can I afford it?" to a straight answer.
0
Judgement. Ask anything, however basic.
1view
Every account and platform, merged into one picture.

Smart financial decisions
start with Kapio.

Connect your business in a couple of minutes and see where you actually stand. Entirely free, no subscription, and nothing touches your credit file.

Get started free
Or get the app
Download on theApp StoreGet it onGoogle Play
Data shared under the Consumer Data Right Read only access. You can disconnect any time.