Last updated September, 2026.
General Disclaimer
This General Disclaimer applies to the information, content, business finance material and referral services available through the Capioo website. Please read this Disclaimer together with our Terms & Conditions, Privacy Policy and Fees, Payments & Commission Disclosure.
1. General Information
The information provided on this website is general information only. It is provided to help Australian businesses understand business finance options and Capioo’s referral service. Nothing on this website constitutes financial, credit, legal, accounting, taxation or investment advice. Information displayed on the website does not take into account the particular objectives, financial circumstances or needs of your business. You should consider your own circumstances and obtain independent professional advice where appropriate before entering into a finance arrangement.
2. Capioo Is an Introducer and Referral Partner
Capioo Pty Ltd 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 may refer or introduce business finance enquiries to participating brokers, lenders, aggregators and other finance providers that may be able to assist. A referral or introduction by Capioo does not constitute an endorsement or recommendation that a particular finance product or provider is suitable for you.
3. No Guarantee of Finance
Submitting an enquiry or proceeding with an application through Capioo does not guarantee that finance will be offered or approved. Any application is subject to the assessment, lending criteria, credit policies, documentation requirements and approval processes of the relevant participating provider.
Capioo cannot guarantee:
• finance approval;
• the amount of finance available;
• a particular interest rate;
• a particular finance term;
• a particular provider;
• a particular repayment amount;
• a particular fee structure;
• the time required for a decision;
• the time required for funds to become available; or
• any other finance outcome.
4. Funding and Decision Times
Any references on this website to fast decisions, processing times or potential funding timeframes are indicative only unless expressly stated otherwise. Actual assessment, approval and funding times depend on factors including the participating provider, finance product, applicant circumstances, documentation, verification requirements and the provider’s internal processes. Capioo does not guarantee same-day, next-day, 24-hour or any other specific decision or funding outcome. Where a timeframe is stated, it should not be interpreted as a guarantee that every applicant or finance product will achieve that timeframe.
5. Rates, Limits and Product Features
Any interest rates, finance limits, terms, repayment examples, product features or other finance information displayed on this website are general or indicative unless expressly stated otherwise. Available rates, limits, terms and features vary between participating providers, finance products and applicants. Any finance limit is subject to the relevant provider’s assessment and lending criteria. The final terms of any finance product are determined by the participating provider following its assessment. Information displayed by Capioo should not be interpreted as a binding offer of finance.
6. Fees, Charges and Commission
Capioo does not charge customers an enquiry or referral fee for using our referral service. Participating brokers, lenders, aggregators and other finance providers may charge their own fees, interest and other costs. Applicable fees and charges vary according to the provider, finance product and applicant circumstances. Capioo may receive a commission, referral fee or other remuneration from a participating provider when an enquiry referred by Capioo proceeds. The amount and structure of this remuneration may vary depending on the provider and finance product. Further information is available in our Fees, Payments & Commission Disclosure.
7. Credit Checks
Submitting an initial enquiry to Capioo does not itself mean that finance has been approved. If you choose to proceed with a participating broker, lender or other finance provider, that provider may request additional information and, where legally permitted and appropriately authorised, may conduct a credit assessment or credit check. The nature and potential impact of any credit enquiry should be confirmed with the relevant provider before you proceed. Capioo does not determine the credit assessment practices of participating providers.
8. Participating Providers
Capioo may refer business finance enquiries to participating brokers, lenders, aggregators and other finance providers. These organisations are separate businesses and operate independently from Capioo. Capioo does not control their: • lending decisions; • eligibility or assessment criteria; • interest rates; • fees and charges; • finance terms; • processing or funding times; • privacy practices; or • contractual obligations. You should review the terms, policies, disclosures and finance documentation supplied by the relevant participating provider before entering into any finance agreement.
9. Limited Market Coverage
Capioo’s participating referral network does not represent the whole business finance market. There may be lenders, brokers, finance providers and business finance products available elsewhere that are not available through Capioo or its referral partners. Information provided through Capioo should not be interpreted as a comparison of every business finance option available in Australia. You may wish to compare other products or providers independently before making a finance decision.
10. Accuracy of Website Information
Capioo aims to keep information on this website accurate and current. However, finance products, provider requirements, fees, rates, lending criteria and other information may change. To the extent permitted by law, Capioo does not guarantee that all general information displayed on the website will remain complete, current or applicable to every business or circumstance. Specific product information, rates, fees, terms and requirements should be confirmed with the relevant participating provider before making a finance decision.
11. Calculators and Examples
Any calculator, repayment illustration, finance example or estimate displayed on the website is provided for general informational purposes only. Results are estimates and do not constitute an offer, quote, approval, recommendation or guarantee of finance. Actual costs, repayments, rates, fees and other finance terms depend on the participating provider and the terms offered following assessment. You should not rely on a calculator or example as a substitute for the formal terms supplied by a participating provider.
12. Tax and Legal Information
Any reference on the Capioo website to tax treatment, tax effectiveness, deductions, business structures or legal matters is general information only. Capioo does not provide tax, accounting or legal advice. Tax and legal outcomes depend on individual business circumstances and applicable law. You should obtain advice from an appropriately qualified accountant, tax adviser or legal professional before relying on tax or legal considerations when making a finance decision.
13. External Websites
The Capioo website may contain links to websites operated by participating providers or other third parties. A link does not mean that Capioo controls, endorses or guarantees the accuracy, availability, security, products, services or practices of the third-party website. Capioo is not responsible for the content, privacy practices or operation of third-party websites. You should review the third party’s own terms, privacy policy and disclosures before using its website or services.
14. No Government Affiliation
Unless expressly and accurately stated on a particular page, Capioo is not affiliated with, endorsed by, sponsored by or acting on behalf of any Australian government department, agency or regulator. Any reference to the Australian Taxation Office, ASIC, ACMA, government services, regulators or other official sources is provided for general informational purposes only and does not imply endorsement, partnership or affiliation.
15. Liability
Nothing in this Disclaimer excludes, restricts or modifies any guarantee, right or remedy that cannot lawfully be excluded under applicable Australian law. To the extent permitted by law, Capioo is not responsible for decisions made solely in reliance on general information displayed on this website. Capioo is also not responsible for the independent acts, omissions, lending decisions, assessment processes or contractual obligations of participating brokers, lenders, aggregators or other finance providers. Your rights and obligations under any finance product will be governed by the agreement and documentation provided by the relevant finance provider.
16. Contact Information
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 Disclaimer should be read together with Capioo’s Terms & Conditions, Privacy Policy and Fees, Payments & Commission Disclosure.
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.
General Disclaimer
This General Disclaimer applies to the information, content, business finance material and referral services available through the Capioo website. Please read this Disclaimer together with our Terms & Conditions, Privacy Policy and Fees, Payments & Commission Disclosure.
1. General Information
The information provided on this website is general information only. It is provided to help Australian businesses understand business finance options and Capioo’s referral service. Nothing on this website constitutes financial, credit, legal, accounting, taxation or investment advice. Information displayed on the website does not take into account the particular objectives, financial circumstances or needs of your business. You should consider your own circumstances and obtain independent professional advice where appropriate before entering into a finance arrangement.
2. Capioo Is an Introducer and Referral Partner
Capioo Pty Ltd 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 may refer or introduce business finance enquiries to participating brokers, lenders, aggregators and other finance providers that may be able to assist. A referral or introduction by Capioo does not constitute an endorsement or recommendation that a particular finance product or provider is suitable for you.
3. No Guarantee of Finance
Submitting an enquiry or proceeding with an application through Capioo does not guarantee that finance will be offered or approved. Any application is subject to the assessment, lending criteria, credit policies, documentation requirements and approval processes of the relevant participating provider.
Capioo cannot guarantee:
• finance approval;
• the amount of finance available;
• a particular interest rate;
• a particular finance term;
• a particular provider;
• a particular repayment amount;
• a particular fee structure;
• the time required for a decision;
• the time required for funds to become available; or
• any other finance outcome.
4. Funding and Decision Times
Any references on this website to fast decisions, processing times or potential funding timeframes are indicative only unless expressly stated otherwise. Actual assessment, approval and funding times depend on factors including the participating provider, finance product, applicant circumstances, documentation, verification requirements and the provider’s internal processes. Capioo does not guarantee same-day, next-day, 24-hour or any other specific decision or funding outcome. Where a timeframe is stated, it should not be interpreted as a guarantee that every applicant or finance product will achieve that timeframe.
5. Rates, Limits and Product Features
Any interest rates, finance limits, terms, repayment examples, product features or other finance information displayed on this website are general or indicative unless expressly stated otherwise. Available rates, limits, terms and features vary between participating providers, finance products and applicants. Any finance limit is subject to the relevant provider’s assessment and lending criteria. The final terms of any finance product are determined by the participating provider following its assessment. Information displayed by Capioo should not be interpreted as a binding offer of finance.
6. Fees, Charges and Commission
Capioo does not charge customers an enquiry or referral fee for using our referral service. Participating brokers, lenders, aggregators and other finance providers may charge their own fees, interest and other costs. Applicable fees and charges vary according to the provider, finance product and applicant circumstances. Capioo may receive a commission, referral fee or other remuneration from a participating provider when an enquiry referred by Capioo proceeds. The amount and structure of this remuneration may vary depending on the provider and finance product. Further information is available in our Fees, Payments & Commission Disclosure.
7. Credit Checks
Submitting an initial enquiry to Capioo does not itself mean that finance has been approved. If you choose to proceed with a participating broker, lender or other finance provider, that provider may request additional information and, where legally permitted and appropriately authorised, may conduct a credit assessment or credit check. The nature and potential impact of any credit enquiry should be confirmed with the relevant provider before you proceed. Capioo does not determine the credit assessment practices of participating providers.
8. Participating Providers
Capioo may refer business finance enquiries to participating brokers, lenders, aggregators and other finance providers. These organisations are separate businesses and operate independently from Capioo. Capioo does not control their: • lending decisions; • eligibility or assessment criteria; • interest rates; • fees and charges; • finance terms; • processing or funding times; • privacy practices; or • contractual obligations. You should review the terms, policies, disclosures and finance documentation supplied by the relevant participating provider before entering into any finance agreement.
9. Limited Market Coverage
Capioo’s participating referral network does not represent the whole business finance market. There may be lenders, brokers, finance providers and business finance products available elsewhere that are not available through Capioo or its referral partners. Information provided through Capioo should not be interpreted as a comparison of every business finance option available in Australia. You may wish to compare other products or providers independently before making a finance decision.
10. Anonymised information
Capioo aims to keep information on this website accurate and current. However, finance products, provider requirements, fees, rates, lending criteria and other information may change. To the extent permitted by law, Capioo does not guarantee that all general information displayed on the website will remain complete, current or applicable to every business or circumstance. Specific product information, rates, fees, terms and requirements should be confirmed with the relevant participating provider before making a finance decision.
11. Calculators and Examples
Any calculator, repayment illustration, finance example or estimate displayed on the website is provided for general informational purposes only. Results are estimates and do not constitute an offer, quote, approval, recommendation or guarantee of finance. Actual costs, repayments, rates, fees and other finance terms depend on the participating provider and the terms offered following assessment. You should not rely on a calculator or example as a substitute for the formal terms supplied by a participating provider.
12. Tax and Legal Information
Any reference on the Capioo website to tax treatment, tax effectiveness, deductions, business structures or legal matters is general information only. Capioo does not provide tax, accounting or legal advice. Tax and legal outcomes depend on individual business circumstances and applicable law. You should obtain advice from an appropriately qualified accountant, tax adviser or legal professional before relying on tax or legal considerations when making a finance decision.
13. Call recordings
The Capioo website may contain links to websites operated by participating providers or other third parties. A link does not mean that Capioo controls, endorses or guarantees the accuracy, availability, security, products, services or practices of the third-party website. Capioo is not responsible for the content, privacy practices or operation of third-party websites. You should review the third party’s own terms, privacy policy and disclosures before using its website or services.
14. No Government Affiliation
Unless expressly and accurately stated on a particular page, Capioo is not affiliated with, endorsed by, sponsored by or acting on behalf of any Australian government department, agency or regulator. Any reference to the Australian Taxation Office, ASIC, ACMA, government services, regulators or other official sources is provided for general informational purposes only and does not imply endorsement, partnership or affiliation.
15. Liability
Nothing in this Disclaimer excludes, restricts or modifies any guarantee, right or remedy that cannot lawfully be excluded under applicable Australian law. To the extent permitted by law, Capioo is not responsible for decisions made solely in reliance on general information displayed on this website. Capioo is also not responsible for the independent acts, omissions, lending decisions, assessment processes or contractual obligations of participating brokers, lenders, aggregators or other finance providers. Your rights and obligations under any finance product will be governed by the agreement and documentation provided by the relevant finance provider.
16. Contact Information
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 Disclaimer should be read together with Capioo’s Terms & Conditions, Privacy Policy and Fees, Payments & Commission Disclosure.
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.
General Disclaimer
This General Disclaimer applies to the information, content, business finance material and referral services available through the Capioo website. Please read this Disclaimer together with our Terms & Conditions, Privacy Policy and Fees, Payments & Commission Disclosure.
1. General Information
The information provided on this website is general information only. It is provided to help Australian businesses understand business finance options and Capioo’s referral service. Nothing on this website constitutes financial, credit, legal, accounting, taxation or investment advice. Information displayed on the website does not take into account the particular objectives, financial circumstances or needs of your business. You should consider your own circumstances and obtain independent professional advice where appropriate before entering into a finance arrangement.
2. Capioo Is an Introducer and Referral Partner
Capioo Pty Ltd 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 may refer or introduce business finance enquiries to participating brokers, lenders, aggregators and other finance providers that may be able to assist. A referral or introduction by Capioo does not constitute an endorsement or recommendation that a particular finance product or provider is suitable for you.
3. No Guarantee of Finance
Submitting an enquiry or proceeding with an application through Capioo does not guarantee that finance will be offered or approved. Any application is subject to the assessment, lending criteria, credit policies, documentation requirements and approval processes of the relevant participating provider.
Capioo cannot guarantee:
• finance approval;
• the amount of finance available;
• a particular interest rate;
• a particular finance term;
• a particular provider;
• a particular repayment amount;
• a particular fee structure;
• the time required for a decision;
• the time required for funds to become available; or
• any other finance outcome.
4. Funding and Decision Times
Any references on this website to fast decisions, processing times or potential funding timeframes are indicative only unless expressly stated otherwise. Actual assessment, approval and funding times depend on factors including the participating provider, finance product, applicant circumstances, documentation, verification requirements and the provider’s internal processes. Capioo does not guarantee same-day, next-day, 24-hour or any other specific decision or funding outcome. Where a timeframe is stated, it should not be interpreted as a guarantee that every applicant or finance product will achieve that timeframe.
5. Rates, Limits and Product Features
Any interest rates, finance limits, terms, repayment examples, product features or other finance information displayed on this website are general or indicative unless expressly stated otherwise. Available rates, limits, terms and features vary between participating providers, finance products and applicants. Any finance limit is subject to the relevant provider’s assessment and lending criteria. The final terms of any finance product are determined by the participating provider following its assessment. Information displayed by Capioo should not be interpreted as a binding offer of finance.
6. Fees, Charges and Commission
Capioo does not charge customers an enquiry or referral fee for using our referral service. Participating brokers, lenders, aggregators and other finance providers may charge their own fees, interest and other costs. Applicable fees and charges vary according to the provider, finance product and applicant circumstances. Capioo may receive a commission, referral fee or other remuneration from a participating provider when an enquiry referred by Capioo proceeds. The amount and structure of this remuneration may vary depending on the provider and finance product. Further information is available in our Fees, Payments & Commission Disclosure.
7. Credit Checks
Submitting an initial enquiry to Capioo does not itself mean that finance has been approved. If you choose to proceed with a participating broker, lender or other finance provider, that provider may request additional information and, where legally permitted and appropriately authorised, may conduct a credit assessment or credit check. The nature and potential impact of any credit enquiry should be confirmed with the relevant provider before you proceed. Capioo does not determine the credit assessment practices of participating providers.
8. Participating Providers
Capioo may refer business finance enquiries to participating brokers, lenders, aggregators and other finance providers. These organisations are separate businesses and operate independently from Capioo. Capioo does not control their: • lending decisions; • eligibility or assessment criteria; • interest rates; • fees and charges; • finance terms; • processing or funding times; • privacy practices; or • contractual obligations. You should review the terms, policies, disclosures and finance documentation supplied by the relevant participating provider before entering into any finance agreement.
9. Limited Market Coverage
Capioo’s participating referral network does not represent the whole business finance market. There may be lenders, brokers, finance providers and business finance products available elsewhere that are not available through Capioo or its referral partners. Information provided through Capioo should not be interpreted as a comparison of every business finance option available in Australia. You may wish to compare other products or providers independently before making a finance decision.
10. Accuracy of Website Information
Capioo aims to keep information on this website accurate and current. However, finance products, provider requirements, fees, rates, lending criteria and other information may change. To the extent permitted by law, Capioo does not guarantee that all general information displayed on the website will remain complete, current or applicable to every business or circumstance. Specific product information, rates, fees, terms and requirements should be confirmed with the relevant participating provider before making a finance decision.
11. Calculators and Examples
Any calculator, repayment illustration, finance example or estimate displayed on the website is provided for general informational purposes only. Results are estimates and do not constitute an offer, quote, approval, recommendation or guarantee of finance. Actual costs, repayments, rates, fees and other finance terms depend on the participating provider and the terms offered following assessment. You should not rely on a calculator or example as a substitute for the formal terms supplied by a participating provider.
12. Tax and Legal Information
Any reference on the Capioo website to tax treatment, tax effectiveness, deductions, business structures or legal matters is general information only. Capioo does not provide tax, accounting or legal advice. Tax and legal outcomes depend on individual business circumstances and applicable law. You should obtain advice from an appropriately qualified accountant, tax adviser or legal professional before relying on tax or legal considerations when making a finance decision.
13. External Websites
The Capioo website may contain links to websites operated by participating providers or other third parties. A link does not mean that Capioo controls, endorses or guarantees the accuracy, availability, security, products, services or practices of the third-party website. Capioo is not responsible for the content, privacy practices or operation of third-party websites. You should review the third party’s own terms, privacy policy and disclosures before using its website or services.
14. No Government Affiliation
Unless expressly and accurately stated on a particular page, Capioo is not affiliated with, endorsed by, sponsored by or acting on behalf of any Australian government department, agency or regulator. Any reference to the Australian Taxation Office, ASIC, ACMA, government services, regulators or other official sources is provided for general informational purposes only and does not imply endorsement, partnership or affiliation.
15. Liability
Nothing in this Disclaimer excludes, restricts or modifies any guarantee, right or remedy that cannot lawfully be excluded under applicable Australian law. To the extent permitted by law, Capioo is not responsible for decisions made solely in reliance on general information displayed on this website. Capioo is also not responsible for the independent acts, omissions, lending decisions, assessment processes or contractual obligations of participating brokers, lenders, aggregators or other finance providers. Your rights and obligations under any finance product will be governed by the agreement and documentation provided by the relevant finance provider.
16. Contact Information
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 Disclaimer should be read together with Capioo’s Terms & Conditions, Privacy Policy and Fees, Payments & Commission Disclosure.
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.