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.
Not a monthly report you open once and forget. Kapio lives on your phone, so the answer is there in the moment you need it.
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.
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.
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.
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 →Your business credit score, checked free with a soft enquiry. No impact on your credit file, ever. Refreshed automatically every quarter.
Explore credit →Know what you can actually afford. Every commitment measured against real money coming in, so you decide on numbers instead of nerves.
Explore capital →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.
You never hand over a banking password, and you can disconnect any account at any time.
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.
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.
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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.
Connect your business in a couple of minutes and see where you actually stand. Entirely free, no subscription, and nothing touches your credit file.