Early Access Launching 2026

Do you know what your business is truly capable of?

Kapio connects your business to 83+ lenders, monitors every rate, and finds savings you didn't know existed — all from one intelligent dashboard.

Always free. No hidden fees. Ever.
Early access perks you won't get later.
Premium broker assigned on launch
Free personal credit report
Free business credit report
Free lifetime access to all products
Join 200+ businesses already on the waitlist

You're on the list!

We'll be in touch soon with early access details. Keep an eye on your inbox.

$450k settled
Keller Building Group
$14k/yr saved
Refined Interiors
24hr settlement
Pacific Trade & Supply
1.8% rate cut
Apex Constructions
$280k refinanced
GreenTech Logistics
$182k asset finance
Buildcorp Pty Ltd
98% AI match
Prospa · 9.5%
$450k settled
Keller Building Group
$14k/yr saved
Refined Interiors
24hr settlement
Pacific Trade & Supply
1.8% rate cut
Apex Constructions
$280k refinanced
GreenTech Logistics
$182k asset finance
Buildcorp Pty Ltd
98% AI match
Prospa · 9.5%

The platform is free. Always.

No subscription. No trial period. No credit card required. Kapio is 100% free for every Australian business — forever.

Free dashboard Free credit scores Free cash flow tools Free AI matching Free broker support
Platform Preview
Your complete lending command centre.
Everything you need to monitor, manage, and optimise your business lending — in one dashboard.
app.kapio.com.au/dashboard
Total Facilities
$1.2M
4 active facilities
All current
Refinance Savings
$18,400/yr
Across 2 facilities
AI recommended
Business Health
82
Lending readiness
Strong
Cash Flow — 12 Month Forecast
Revenue Expenses
Credit Score
734
Equifax
Good
Live · Updated daily
AI Lender Matches — Top 3
Judo Bank
Term Loan · $350K
6.2%
98% match
Liberty Business
Line of Credit · $200K
7.1%
95% match
Prospa
Unsecured · $150K
9.5%
92% match
Your Broker
SM
Sarah Mitchell
Senior Finance Specialist
"Hi! I've found 2 refinance opportunities that could save you $18K/year. Let's chat."
Everything You Need
One platform. Six powerful tools.
Every feature is free. No paywalls, no upsells, no hidden costs.

Live Lending Dashboard

Track every rate, facility, and repayment in real time. See exactly where you stand across all your business lending.

Free forever

AI Lender Matching

Our AI scans 83+ lenders to surface the best deals for your exact profile. Better rates, faster approvals, fewer rejections.

83+ lenders

Free Credit Scores

Personal and business credit scores updated in real time via Equifax. Monitor your credit health without any fees or hard enquiries.

Equifax powered

Cash Flow Forecaster

Project 12 months of revenue, expenses, and net cash flow. Edit any figure — the forecast updates instantly.

12-month view

Dedicated Broker

A real finance specialist backs every recommendation. Get expert advice, deal negotiation, and settlement support — not a chatbot.

Real human

Refinance Alerts

Kapio continuously monitors your facilities against market rates. When a better deal appears, we alert you and your broker acts fast.

Automatic
See It In Action
A platform built for
how business actually works.
Loan Tracker

Live facility updates — every loan, all in one place.

Track rates, repayments, maturity dates, and outstanding balances across all your facilities. One-click refinance alerts when a better deal exists.

My Facilities
Term Loan — Working Capital
Active
$500,000
Outstanding of $550,000
Rate11.2% p.a.
LenderLender A
Chattel Mortgage — Fleet
Active
$182,000
Outstanding of $220,000
Rate6.4% p.a.
LenderLender B
Cash Flow Forecaster

See the future of your cash flow — before it happens.

Project 12 months of revenue, expenses, and net cash flow. Edit any figure and the forecast updates instantly. Export to PDF for your accountant or broker.

Cash Flow Forecaster
Revenue
$159,045
Expenses
$110,380
Net Cash Flow
+$35,806
12-Month Surplus
$429,672
12-Month Projection
RevenueExpenses
MarAprMayJunJulAugSepOctNovDecJanFeb
Health Check

Know your lending score before any lender does.

AI-powered assessment of your credit profile, cash flow strength, and approval odds — with actionable recommendations to improve your score.

Business Health Check
Health Metrics
Revenue Consistency
88
Credit Profile
88
Debt Serviceability
76
Cash Flow Strength
84
Business Longevity
70
Lender Approval Odds
92%
Overall Lending Score
83
Strong Profile
Your profile is well positioned. Most lenders will approve without additional security.
83+
Lenders Connected
$14K
Avg Saved Per Year
24hr
Avg Settlement
98%
Match Accuracy
How It Works
Three steps to better lending.
1

Sign Up Free

Register your interest and tell us about your business. It takes under 2 minutes. No payment needed — ever.

2

Get Matched

Our AI scans 83+ lenders and surfaces the best-fit deals for your profile — instantly. A real broker reviews every match.

3

Save Money

Lock in better rates with expert broker support. Businesses save $14K/yr on average. Ongoing monitoring means you never overpay.

Be first in line.

Register now for early access. The platform is free — there's nothing to lose.

Join 200+ businesses already on the waitlist

You're on the list!

We'll be in touch soon with early access details.