Meet Kappy — your finance sidekick

Talk to your business finances.

Talk to your business finances.
9:41

Kappy reads your cash flow, credit and debt — then talks back in plain English. Ask it anything, get matched to finance, and act in minutes.

Bank-grade security · 83+ lenders · Australian owned

Money talks.
Kapio talks back.

No more facing the numbers alone. Kapio reads what's really going on, tells you straight, and helps you make every call with confidence.

Kappy is reading your accounts
Cash flow · live
watching
+$0
Surplus this month
↑ 12% vs last
01 — CASH FLOW

Understand every dollar in and out.

Connect your bank once. Kapio maps your income, expenses and surplus, forecasts 90 days ahead, and flags the patterns you'd never catch yourself.

Kappy is tracking your score
Credit · live
watching
0
VERY GOOD
On track to Excellent
+8 pts this month · 1 action left
↑ 8 pts
02 — CREDIT

Know your credit before a lender does.

Kapio tracks your business and personal credit, explains what's moving your score, and tells you exactly what to fix before you apply.

Kappy is scanning 83+ lenders
Equipment loan · refinance
matching
Your current rate9.8%
Market average8.4%
Best match found7.4% → save $680/mo
03 — DEBT

Master your debt and stop overpaying.

Every facility in one place, watched against 83+ lenders. The moment a better rate appears, Kapio works out the saving and lines up the switch.

Eyes on every dollar

Notices when your
costs creep up.

Kapio learns what normal looks like for your business. The moment a fee, bill or supplier cost drifts above it, you'll hear about it — with the fix already worked out.

Monthly spend · last 6 months
▲ 32% this month
Your normal · ~$636/mo $840 Feb Mar Apr May Jun Jul
K
Kapio noticed
Heads up — your card-processing fees hit $840 this month, up 32%. Switch processors and you'd keep about $2,500 a year. Want me to sort it? 👀
Finance, on tap

Need cash? Just ask.

No 14-page forms. Tap a question and watch matched options drop straight out of the chat — pre-checked against your numbers.

Indicative only, matched from 83+ lenders. No credit hit to look.
What Kappy actually does

One companion. Three jobs done.

It answers on demand, spots what you'd have missed, and tags in a human the second a deal gets real.

Always on

Ask it anything 💬

Loans, rates, cash flow, "can I afford this?" — real answers in plain English, read straight from your live accounts. No jargon, no waiting.

Heads-up
Refinance spotted
Save ~$2,940/yr
NEW
Rate dropped
Now from 8.9%
Score climbed
Up to 742 — nice 🎉

Catches what you miss 👀

Opportunities and warnings, surfaced before you'd ever think to look.

When it's real
✦
SS

Hands you to a human 🤝

Deal getting serious? Kappy briefs your broker in full — you never re-explain a thing.

Always on

Let Kapio watch your money
while you run the business.

Set it once. Kapio keeps an eye on everything and only taps you on the shoulder when it actually matters.

Rate watch

Monitors your facilities against 83+ lenders and pings you the moment a cheaper deal appears — with the saving already worked out.

Cash-flow alerts

Spots a dip before it bites. Kapio warns you days ahead when a bill, BAS or repayment could leave you short.

Weekly briefing

A plain-English snapshot of your finances every Monday — what moved, what to watch, and one thing worth doing this week.

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.
83+
Lenders compared the second you ask.
Money moves watched for you
24/7
1tap
From "can I afford it?" to a straight answer.
0
Judgement. Ask Kappy anything.
$2.5k
A year Kapio finds in fees you're quietly wasting.

So… what do you
want to know?

Connect your business in two minutes and start asking. It's free to get a pulse on your finances.