BUSINESS FINANCE
Bank said no? That’s not the end of it.
Banks assess on a narrow set of criteria. We work with lenders who look at your business differently.
BUSINESS FINANCE
Bank said no? That’s not the end of it.
Banks assess on a narrow set of criteria. We work with lenders who look at your business differently.
Australian-owned
No cost to apply
No obligation quote
No paperwork until you’re ready
One form, multiple lenders checked
You hear back the same business day
35+ industries supported
Works with businesses trading from 6 months
Free to check your options
Apply Now
Under 60 seconds
No credit impact
Find the right finance
Tell us what you need — a specialist broker will call you with your options.
Get started
What type of finance are you looking for?
Choose the option that best matches what your business needs.
Capioo is an Australian finance referral service, not a lender. We connect consumers and businesses with lenders, brokers and finance providers. All applications are subject to lender approval criteria. Submitting an enquiry to Capioo does not itself affect your credit score. If you later discuss options or quotations with a broker or lender and choose to proceed, they may ask for your consent to conduct a credit check. This may be recorded on your credit file and may affect your credit score.
Why Capioo
The Real Difference
Why lenders differ
Why your Bank said no
We compare your options across a panel of lenders — not just one bank's criteria.
Different criteria. Different lenders. Real options.
Assessed on more than a credit score.
Credit History
Some lenders start from 6 months, not 2 years.
Because six months can already tell your story.
Industry risk
Our panel includes specialists in construction, hospitality and transport.
Easy 3 Step Process
As little as 24 hours to a decision*
How it works
How it works
Apply in minutes and explore funding options suited to your business. We keep the process simple, clear and moving.
Fast reviews. Flexible lenders. Ongoing support.
01
Tell us what happened
no credit impact
A quick form on what you need.
02
We check the panel
We compare lenders who assess differently.
03
You hear back
No pressure, no obligation.
Application Time
60 seconds
Initial Review
Same day
Funding Available
Often same day*
*Reflects typical time to an initial lending decision from participating panel lenders. Individual timeframes vary. Funding timing is set by the approving lender.
Beyond the Bank
The Real Difference
Why lenders differ
Different lenders, different criteria
Real options.
Banks apply standardised criteria across every applicant. Non-bank and specialist lenders often assess cash flow, industry context and trading trends — not just a credit score.
35+ industries supported
Pricing & Fees
Costs vary by lender
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
What lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
What lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
Pricing & Fees
Costs vary by lender
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
What lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
What lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
35+ industries supported
Built for how you work
Who we help
Every Industry Covered
We work across industries with different needs, timelines, and risk profiles.
Tell us what you do. We’ll connect you with a specialist broker to discuss available options
35+ industries supported
Built for how you work
Who we help
Every Industry Covered
We work across industries with different needs, timelines, and risk profiles.
Tell us what you do. We’ll connect you with a specialist broker to discuss available options
Let's Work Together
Contact Us
Contact Now
See what's available to you
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Takes about 60 seconds. No credit impact to check.
Common Questions
01
I’ve been declined by my bank before. Can you still help?
02
Will checking my options affect my credit score?
03
What if I don’t qualify with any lenders?
04
Why would a different lender say yes when my bank said no?
05
Do I need to tell you why my bank declined me?
Latest Updates
2026
Latest Blogs
Latest Insights.
Straight answers on business finance — how lending actually works, what lenders look for, and how to make faster decisions.
No pressure. No jargon. Just clear next steps.
Check my options →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Capioo's services are limited to business-purpose finance. Business-purpose credit generally falls outside the scope of the National Credit Code because section 5(1)(b) applies to credit provided or intended to be provided wholly or predominantly for specified consumer or residential property investment purposes. The application of the Code depends on the purpose and circumstances of the credit.
Capioo acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples and Traditional Custodians of the lands and waterways throughout Australia. We recognise their continuing connection to Country, culture and community, and pay our respects to Elders past and present.
BUSINESS FINANCE
Bank said no? That’s not the end of it.
Banks assess on a narrow set of criteria. We work with lenders who look at your business differently.
Australian-owned
No cost to apply
No obligation quote
No paperwork until you’re ready
One form, multiple lenders checked
You hear back the same business day
35+ industries supported
Works with businesses trading from 6 months
Free to check your options
Apply Now
Under 60 seconds
No credit impact
Find the right finance
Tell us what you need — a specialist broker will call you with your options.
Get started
What type of finance are you looking for?
Choose the option that best matches what your business needs.
Capioo is an Australian finance referral service, not a lender. We connect consumers and businesses with lenders, brokers and finance providers. All applications are subject to lender approval criteria. Submitting an enquiry to Capioo does not itself affect your credit score. If you later discuss options or quotations with a broker or lender and choose to proceed, they may ask for your consent to conduct a credit check. This may be recorded on your credit file and may affect your credit score.
Why Capioo
The Real Difference
Why lenders differ
Why your Bank said no
We compare your options across a panel of lenders — not just one bank's criteria.
Different criteria. Different lenders. Real options.
Assessed on more than a credit score.
Credit History
Some lenders start from 6 months, not 2 years.
Because six months can already tell your story.
Industry risk
Our panel includes specialists in construction, hospitality and transport.
Easy 3 Step Process
As little as 24 hours to a decision*
How it works
How it works
Apply in minutes and explore funding options suited to your business. We keep the process simple, clear and moving.
Fast reviews. Flexible lenders. Ongoing support.
01
Tell us what happened
no credit impact
A quick form on what you need.
02
We check the panel
We compare lenders who assess differently.
03
You hear back
No pressure, no obligation.
Application Time
60 seconds
Initial Review
Same day
Funding Available
Often same day*
*Reflects typical time to an initial lending decision from participating panel lenders. Individual timeframes vary. Funding timing is set by the approving lender.
Beyond the Bank
The Real Difference
Why lenders differ
Different lenders, different criteria
Real options.
Banks apply standardised criteria across every applicant. Non-bank and specialist lenders often assess cash flow, industry context and trading trends — not just a credit score.
35+ industries supported
Pricing & Fees
Costs vary by lender
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
What lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
What lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
35+ industries supported
Built for how you work
Who we help
Every Industry Covered
We work across industries with different needs, timelines, and risk profiles.
Tell us what you do. We’ll connect you with a specialist broker to discuss available options
Let's Work Together
Contact Us
Contact Now
See what's available to you
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Takes about 60 seconds. No credit impact to check.
Common Questions
01
I’ve been declined by my bank before. Can you still help?
02
Will checking my options affect my credit score?
03
What if I don’t qualify with any lenders?
04
Why would a different lender say yes when my bank said no?
05
Do I need to tell you why my bank declined me?
Latest Updates
2026
Latest Blogs
Latest Insights.
Straight answers on business finance — how lending actually works, what lenders look for, and how to make faster decisions.
No pressure. No jargon. Just clear next steps.
Check my options →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Capioo's services are limited to business-purpose finance. Business-purpose credit generally falls outside the scope of the National Credit Code because section 5(1)(b) applies to credit provided or intended to be provided wholly or predominantly for specified consumer or residential property investment purposes. The application of the Code depends on the purpose and circumstances of the credit.
Capioo acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples and Traditional Custodians of the lands and waterways throughout Australia. We recognise their continuing connection to Country, culture and community, and pay our respects to Elders past and present.
BUSINESS FINANCE
Bank said no? That’s not the end of it.
Banks assess on a narrow set of criteria. We work with lenders who look at your business differently.
Australian-owned
No cost to apply
No obligation quote
No paperwork until you’re ready
One form, multiple lenders checked
You hear back the same business day
35+ industries supported
Works with businesses trading from 6 months
Free to check your options
Apply Now
No credit impact
Find the right finance
Tell us what you need — a specialist broker will call you with your options.
Get started
What type of finance are you looking for?
Choose the option that best matches what your business needs.
Capioo is an Australian finance referral service, not a lender. We connect consumers and businesses with lenders, brokers and finance providers. All applications are subject to lender approval criteria. Submitting an enquiry to Capioo does not itself affect your credit score. If you later discuss options or quotations with a broker or lender and choose to proceed, they may ask for your consent to conduct a credit check. This may be recorded on your credit file and may affect your credit score.
Why Capioo
Why lenders differ
Why your Bank said no
We compare your options across a panel of lenders — not just one bank's criteria.
Different criteria. Different lenders. Real options.
Assessed on more than a credit score.
Credit History
Some lenders start from 6 months, not 2 years.
Because six months can already tell your story.
Industry risk
Our panel includes specialists in construction, hospitality and transport.
Get funded in under 24 hours
How it works
How it works
Apply in minutes and explore funding options suited to your business. We keep the process simple, clear and moving.
Fast reviews. Flexible lenders. Ongoing support.
01
Tell us what happened
A quick form on what you need.
02
We check the panel
We compare lenders who assess differently.
03
You hear back
No pressure, no obligation.
Application Time
60 seconds
Initial Review
Same day
Funding Available
Often same day*
*Reflects typical time to an initial lending decision from participating panel lenders. Individual timeframes vary. Funding timing is set by the approving lender.
Beyond the Bank
The Real Difference
Why lenders differ
Different lenders, different criteria
Real options.
Banks apply standardised criteria across every applicant. Non-bank and specialist lenders often assess cash flow, industry context and trading trends — not just a credit score.
35+ industries supported
Pricing & Fees
How Pricing Works.
Understanding Pricing & Fees
Pricing, fees and terms vary by lender, finance product and business circumstances.
For established businesses
Pricing is set by individual lenders.
Businesses with a longer trading history, consistent revenue and a strong repayment record may have access to a broader range of funding options.
What lenders may consider
For growing businesses
Pricing is set by individual lenders.
Businesses with a shorter trading history or more variable revenue may still have funding options available, depending on the lender, finance product and business circumstances.
What lenders may consider
Fees & Costs
Fees vary by lender and finance product.
Interest or finance pricing is only one part of the overall cost. Depending on the lender, finance product and facility structure, additional fees and charges may apply.
Capioo
Capioo does not charge you a fee for submitting an enquiry or for being referred to a finance provider.
Potential lender fees
Depending on the lender and finance product, fees may include:
Before you proceed
The applicable interest rate or finance cost, fees, charges and repayment terms will be provided by the lender or broker as part of the finance offer before you decide whether to proceed.
Not every fee listed above applies to every finance product or lender. The fees that apply will depend on the finance arrangement offered.
35+ industries supported
Who we help
Every Industry Covered
We work across industries with different needs, timelines, and risk profiles.
Let's Work Together
Contact Us
Contact Now
See what's available to you
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Takes about 60 seconds. No credit impact to check.
Common Questions
I’ve been declined by my bank before. Can you still help?
Will checking my options affect my credit score?
What if I don’t qualify with any lenders?
Why would a different lender say yes when my bank said no?
Do I need to tell you why my bank declined me?
Latest Updates
2026
Latest Blogs
Latest Insights.
Straight answers on business finance — how lending actually works, what lenders look for, and how to make faster decisions.
No pressure. No jargon. Just clear next steps.
Check my options →Capioo Pty Ltd acts as an introducer and referral partner for finance products and services. We are not a lender and do not provide financial or credit advice. All applications are subject to lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges may apply.
Capioo's services are limited to business-purpose finance. Business-purpose credit generally falls outside the scope of the National Credit Code because section 5(1)(b) applies to credit provided or intended to be provided wholly or predominantly for specified consumer or residential property investment purposes. The application of the Code depends on the purpose and circumstances of the credit.
Capioo acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples and Traditional Custodians of the lands and waterways throughout Australia. We recognise their continuing connection to Country, culture and community, and pay our respects to Elders past and present.