Last updated September, 2026.
Fees, Payments & Commission Disclosure
This Fees, Payments & Commission Disclosure explains how fees, lender charges, commissions and referral payments may apply when you use Capioo’s website or are introduced to a participating finance provider through Capioo. Please read this disclosure before submitting a business finance enquiry or proceeding with a finance application.
1. About Capioo
Capioo Pty Ltd
ABN: 88 693 376 895
ACN: 693 376 895
Mailing address: 26/492–500 Elizabeth St Surry Hills NSW 2010 Australia
Phone: +61 2 3820 5021 Email: a@capioo.com
Capioo acts as an introducer and referral partner for business finance products and services. Capioo is not a lender, bank or credit provider and does not directly provide finance. We help Australian businesses explore business finance options and may refer or introduce enquiries to participating brokers, lenders, aggregators and other finance providers that may be able to assist. In this disclosure, these organisations are referred to collectively as participating providers.
2. Fees Charged by Capioo
Capioo does not charge you an enquiry or referral fee for submitting a business finance enquiry through our service. This does not mean that a finance product obtained through a participating provider will be free of fees, interest or other charges. A participating provider may impose its own fees, charges, interest, repayment obligations and other costs. These are determined by the relevant provider and the specific finance product offered to you.
3. Provider Fees and Charges
Depending on the participating provider, finance product and applicant circumstances, associated costs may include, where applicable: • application or establishment fees; • origination fees; • brokerage or service fees; • account-keeping or ongoing fees; • transaction or drawdown fees; • interest charges; • late-payment or default fees; • early-repayment or exit fees; • discharge fees; • valuation, documentation or legal fees; and • other product-specific costs or charges. Not every fee listed above applies to every finance product. The existence, amount and calculation of any fee are determined by the relevant participating provider. Capioo does not set these provider fees and does not represent that all participating providers charge the same fees. Before accepting any finance product, you should review the fees and charges disclosed by the relevant provider.
4. Interest Rates and Finance Costs
Interest rates, comparison rates where applicable, repayment amounts and total finance costs vary between providers, products and applicants. Factors that may affect the terms offered can include: • the participating provider; • the type of finance; • the amount requested; • the finance term; • the applicant’s circumstances; • the provider’s credit assessment; • any security provided; • business history; • financial position; and • the provider’s lending criteria. Any rate, amount, term, repayment example or product feature displayed on the Capioo website is general or indicative unless expressly stated otherwise. The final terms of any finance product are determined by the relevant participating provider following its assessment. Submitting an enquiry through Capioo does not guarantee that you will receive a particular rate, limit, term or finance product.
5. Commission and Referral Payments to Capioo
Capioo may receive a commission, referral fee or other remuneration from a participating broker, lender, aggregator or other finance provider when an enquiry referred by Capioo proceeds. The amount and structure of this remuneration may vary depending on the participating provider and finance product. This remuneration is paid by the relevant provider and is not charged to you by Capioo as an enquiry or referral fee. The existence of a commercial or referral arrangement may influence which participating providers or finance products are available through Capioo’s referral service.
6. Limited Market Coverage
Capioo works with participating brokers, lenders, aggregators and other finance providers. Our referral network does not necessarily include every lender or business finance product available in Australia. Using Capioo does not constitute a comparison of the whole finance market. There may be other providers or finance products available that are not accessible through Capioo or its referral partners. You may wish to compare other products or providers independently before making a finance decision.
7. No Guarantee of Finance
Submitting an enquiry through Capioo does not guarantee: • approval; • a particular finance amount; • a particular interest rate; • a particular repayment term; • same-day, next-day or 24-hour funding; • a specific lender or provider; • a particular fee structure; or • any other finance outcome. Any application is subject to the relevant participating provider’s assessment, lending criteria, documentation requirements and approval process.
8. Finance Agreements and Payments
If you accept a finance product, your contractual relationship for that finance product will generally be with the lender or finance provider identified in the relevant finance documentation. Your finance agreement should set out the applicable: • interest; • fees and charges; • repayments; • payment frequency; • finance term; • default consequences; and • other contractual obligations. You should review the provider’s documentation carefully before accepting any finance product. Where information supplied by a participating provider differs from general information displayed on the Capioo website, the specific terms contained in the provider’s formal offer and finance agreement apply to that product.
9. Participating Providers
Participating brokers, lenders, aggregators and other finance providers are separate businesses and operate independently from Capioo. Capioo does not control every fee, interest rate, lending criterion, approval decision, repayment requirement or contractual term imposed by a participating provider. Questions about a specific provider’s fees, interest charges, repayment obligations or contractual terms should be confirmed directly with that provider before you proceed.
10. General Information Only
Information about business finance products, fees, rates, repayment structures and provider requirements displayed on the Capioo website is general information only. It does not constitute financial, credit, legal, accounting or tax advice and does not take into account the particular circumstances or needs of your business. Capioo does not recommend that a particular finance product is suitable for you. You should consider your own circumstances and seek independent professional advice where appropriate before entering into a finance arrangement.
11. Changes to Fees and Product Information
Finance products, provider requirements, interest rates, fees and other product terms may change. Capioo may update information displayed on the website when information available to us changes. Before accepting a finance product, you should confirm the current rates, fees, charges, repayment obligations and product terms with the relevant participating provider.
12. Contact Us
If you have questions about this disclosure or Capioo’s referral arrangements, please contact:
Capioo Pty Ltd
ABN: 88 693 376 895
ACN: 693 376 895
26/492–500 Elizabeth St
Surry Hills NSW 2010
Australia
Phone: +61 2 3820 5021
Email: a@capioo.com
Business hours: Monday–Friday, 8:00am–5:00pm Sydney time.
This disclosure should be read together with Capioo’s Terms & Conditions, Privacy Policy and General Disclaimer.
Let's Work Together
Contact Us
Contact Now
Let's get you Funded
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
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.
Last updated September, 2026.
Fees, Payments & Commission Disclosure
This Fees, Payments & Commission Disclosure explains how fees, lender charges, commissions and referral payments may apply when you use Capioo’s website or are introduced to a participating finance provider through Capioo. Please read this disclosure before submitting a business finance enquiry or proceeding with a finance application.
1. About Capioo
Capioo Pty Ltd
ABN: 88 693 376 895
ACN: 693 376 895
Mailing address: 26/492–500 Elizabeth St Surry Hills NSW 2010 Australia
Phone: +61 2 3820 5021 Email: a@capioo.com
Capioo acts as an introducer and referral partner for business finance products and services. Capioo is not a lender, bank or credit provider and does not directly provide finance. We help Australian businesses explore business finance options and may refer or introduce enquiries to participating brokers, lenders, aggregators and other finance providers that may be able to assist. In this disclosure, these organisations are referred to collectively as participating providers.
2. Fees Charged by Capioo
Capioo does not charge you an enquiry or referral fee for submitting a business finance enquiry through our service. This does not mean that a finance product obtained through a participating provider will be free of fees, interest or other charges. A participating provider may impose its own fees, charges, interest, repayment obligations and other costs. These are determined by the relevant provider and the specific finance product offered to you.
3. Provider Fees and Charges
Depending on the participating provider, finance product and applicant circumstances, associated costs may include, where applicable: • application or establishment fees; • origination fees; • brokerage or service fees; • account-keeping or ongoing fees; • transaction or drawdown fees; • interest charges; • late-payment or default fees; • early-repayment or exit fees; • discharge fees; • valuation, documentation or legal fees; and • other product-specific costs or charges. Not every fee listed above applies to every finance product. The existence, amount and calculation of any fee are determined by the relevant participating provider. Capioo does not set these provider fees and does not represent that all participating providers charge the same fees. Before accepting any finance product, you should review the fees and charges disclosed by the relevant provider.
4. Interest Rates and Finance Costs
Interest rates, comparison rates where applicable, repayment amounts and total finance costs vary between providers, products and applicants. Factors that may affect the terms offered can include: • the participating provider; • the type of finance; • the amount requested; • the finance term; • the applicant’s circumstances; • the provider’s credit assessment; • any security provided; • business history; • financial position; and • the provider’s lending criteria. Any rate, amount, term, repayment example or product feature displayed on the Capioo website is general or indicative unless expressly stated otherwise. The final terms of any finance product are determined by the relevant participating provider following its assessment. Submitting an enquiry through Capioo does not guarantee that you will receive a particular rate, limit, term or finance product.
5. Commission and Referral Payments to Capioo
Capioo may receive a commission, referral fee or other remuneration from a participating broker, lender, aggregator or other finance provider when an enquiry referred by Capioo proceeds. The amount and structure of this remuneration may vary depending on the participating provider and finance product. This remuneration is paid by the relevant provider and is not charged to you by Capioo as an enquiry or referral fee. The existence of a commercial or referral arrangement may influence which participating providers or finance products are available through Capioo’s referral service.
6. Limited Market Coverage
Capioo works with participating brokers, lenders, aggregators and other finance providers. Our referral network does not necessarily include every lender or business finance product available in Australia. Using Capioo does not constitute a comparison of the whole finance market. There may be other providers or finance products available that are not accessible through Capioo or its referral partners. You may wish to compare other products or providers independently before making a finance decision.
7. No Guarantee of Finance
Submitting an enquiry through Capioo does not guarantee: • approval; • a particular finance amount; • a particular interest rate; • a particular repayment term; • same-day, next-day or 24-hour funding; • a specific lender or provider; • a particular fee structure; or • any other finance outcome. Any application is subject to the relevant participating provider’s assessment, lending criteria, documentation requirements and approval process.
8. Finance Agreements and Payments
If you accept a finance product, your contractual relationship for that finance product will generally be with the lender or finance provider identified in the relevant finance documentation. Your finance agreement should set out the applicable: • interest; • fees and charges; • repayments; • payment frequency; • finance term; • default consequences; and • other contractual obligations. You should review the provider’s documentation carefully before accepting any finance product. Where information supplied by a participating provider differs from general information displayed on the Capioo website, the specific terms contained in the provider’s formal offer and finance agreement apply to that product.
9. Participating Providers
Participating brokers, lenders, aggregators and other finance providers are separate businesses and operate independently from Capioo. Capioo does not control every fee, interest rate, lending criterion, approval decision, repayment requirement or contractual term imposed by a participating provider. Questions about a specific provider’s fees, interest charges, repayment obligations or contractual terms should be confirmed directly with that provider before you proceed.
10. Anonymised information
Information about business finance products, fees, rates, repayment structures and provider requirements displayed on the Capioo website is general information only. It does not constitute financial, credit, legal, accounting or tax advice and does not take into account the particular circumstances or needs of your business. Capioo does not recommend that a particular finance product is suitable for you. You should consider your own circumstances and seek independent professional advice where appropriate before entering into a finance arrangement.
11. Changes to Fees and Product Information
Finance products, provider requirements, interest rates, fees and other product terms may change. Capioo may update information displayed on the website when information available to us changes. Before accepting a finance product, you should confirm the current rates, fees, charges, repayment obligations and product terms with the relevant participating provider.
12. Contact Us
If you have questions about this disclosure or Capioo’s referral arrangements, please contact:
Capioo Pty Ltd
ABN: 88 693 376 895
ACN: 693 376 895
26/492–500 Elizabeth St
Surry Hills NSW 2010
Australia
Phone: +61 2 3820 5021
Email: a@capioo.com
Business hours: Monday–Friday, 8:00am–5:00pm Sydney time.
This disclosure should be read together with Capioo’s Terms & Conditions, Privacy Policy and General Disclaimer.
Let's Work Together
Contact Us
Contact Now
Let's get you Funded
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
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.
Last updated September, 2026.
Fees, Payments & Commission Disclosure
This Fees, Payments & Commission Disclosure explains how fees, lender charges, commissions and referral payments may apply when you use Capioo’s website or are introduced to a participating finance provider through Capioo. Please read this disclosure before submitting a business finance enquiry or proceeding with a finance application.
1. About Capioo
Capioo Pty Ltd
ABN: 88 693 376 895
ACN: 693 376 895
Mailing address: 26/492–500 Elizabeth St Surry Hills NSW 2010 Australia
Phone: +61 2 3820 5021 Email: a@capioo.com
Capioo acts as an introducer and referral partner for business finance products and services. Capioo is not a lender, bank or credit provider and does not directly provide finance. We help Australian businesses explore business finance options and may refer or introduce enquiries to participating brokers, lenders, aggregators and other finance providers that may be able to assist. In this disclosure, these organisations are referred to collectively as participating providers.
2. Fees Charged by Capioo
Capioo does not charge you an enquiry or referral fee for submitting a business finance enquiry through our service. This does not mean that a finance product obtained through a participating provider will be free of fees, interest or other charges. A participating provider may impose its own fees, charges, interest, repayment obligations and other costs. These are determined by the relevant provider and the specific finance product offered to you.
3. Provider Fees and Charges
Depending on the participating provider, finance product and applicant circumstances, associated costs may include, where applicable: • application or establishment fees; • origination fees; • brokerage or service fees; • account-keeping or ongoing fees; • transaction or drawdown fees; • interest charges; • late-payment or default fees; • early-repayment or exit fees; • discharge fees; • valuation, documentation or legal fees; and • other product-specific costs or charges. Not every fee listed above applies to every finance product. The existence, amount and calculation of any fee are determined by the relevant participating provider. Capioo does not set these provider fees and does not represent that all participating providers charge the same fees. Before accepting any finance product, you should review the fees and charges disclosed by the relevant provider.
4. Interest Rates and Finance Costs
Interest rates, comparison rates where applicable, repayment amounts and total finance costs vary between providers, products and applicants. Factors that may affect the terms offered can include: • the participating provider; • the type of finance; • the amount requested; • the finance term; • the applicant’s circumstances; • the provider’s credit assessment; • any security provided; • business history; • financial position; and • the provider’s lending criteria. Any rate, amount, term, repayment example or product feature displayed on the Capioo website is general or indicative unless expressly stated otherwise. The final terms of any finance product are determined by the relevant participating provider following its assessment. Submitting an enquiry through Capioo does not guarantee that you will receive a particular rate, limit, term or finance product.
5. Commission and Referral Payments to Capioo
Capioo may receive a commission, referral fee or other remuneration from a participating broker, lender, aggregator or other finance provider when an enquiry referred by Capioo proceeds. The amount and structure of this remuneration may vary depending on the participating provider and finance product. This remuneration is paid by the relevant provider and is not charged to you by Capioo as an enquiry or referral fee. The existence of a commercial or referral arrangement may influence which participating providers or finance products are available through Capioo’s referral service.
6. Limited Market Coverage
Capioo works with participating brokers, lenders, aggregators and other finance providers. Our referral network does not necessarily include every lender or business finance product available in Australia. Using Capioo does not constitute a comparison of the whole finance market. There may be other providers or finance products available that are not accessible through Capioo or its referral partners. You may wish to compare other products or providers independently before making a finance decision.
7. No Guarantee of Finance
Submitting an enquiry through Capioo does not guarantee: • approval; • a particular finance amount; • a particular interest rate; • a particular repayment term; • same-day, next-day or 24-hour funding; • a specific lender or provider; • a particular fee structure; or • any other finance outcome. Any application is subject to the relevant participating provider’s assessment, lending criteria, documentation requirements and approval process.
8. Finance Agreements and Payments
If you accept a finance product, your contractual relationship for that finance product will generally be with the lender or finance provider identified in the relevant finance documentation. Your finance agreement should set out the applicable: • interest; • fees and charges; • repayments; • payment frequency; • finance term; • default consequences; and • other contractual obligations. You should review the provider’s documentation carefully before accepting any finance product. Where information supplied by a participating provider differs from general information displayed on the Capioo website, the specific terms contained in the provider’s formal offer and finance agreement apply to that product.
9. Participating Providers
Participating brokers, lenders, aggregators and other finance providers are separate businesses and operate independently from Capioo. Capioo does not control every fee, interest rate, lending criterion, approval decision, repayment requirement or contractual term imposed by a participating provider. Questions about a specific provider’s fees, interest charges, repayment obligations or contractual terms should be confirmed directly with that provider before you proceed.
10. General Information Only
Information about business finance products, fees, rates, repayment structures and provider requirements displayed on the Capioo website is general information only. It does not constitute financial, credit, legal, accounting or tax advice and does not take into account the particular circumstances or needs of your business. Capioo does not recommend that a particular finance product is suitable for you. You should consider your own circumstances and seek independent professional advice where appropriate before entering into a finance arrangement.
11. Changes to Fees and Product Information
Finance products, provider requirements, interest rates, fees and other product terms may change. Capioo may update information displayed on the website when information available to us changes. Before accepting a finance product, you should confirm the current rates, fees, charges, repayment obligations and product terms with the relevant participating provider.
12. Contact Us
If you have questions about this disclosure or Capioo’s referral arrangements, please contact:
Capioo Pty Ltd
ABN: 88 693 376 895
ACN: 693 376 895
26/492–500 Elizabeth St
Surry Hills NSW 2010
Australia
Phone: +61 2 3820 5021
Email: a@capioo.com
Business hours: Monday–Friday, 8:00am–5:00pm Sydney time.
This disclosure should be read together with Capioo’s Terms & Conditions, Privacy Policy and General Disclaimer.
Let's Work Together
Contact Us
Contact Now
Let's get you Funded
Tell us what you need, how much, and how soon. We’ll show you what’s actually possible.
Australian based team. Multiple Lenders, more options
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.