Refinance & Restructure
Apply in under 60 seconds, No credit impact
Reduce repayment pressure, consolidate existing debt, and access funding structures designed around your business today.
Refinance & Restructuring
Get custom quotation
A business refinance helps restructure existing debt into a facility that better suits your current cash flow, repayment goals, and business needs. It can help reduce pressure, simplify repayments, and improve flexibility as your business grows.
Consolidate Existing Business Debt
Reduce Repayment Pressure
Funding From $5K to $10M+
Access refinance and restructuring solutions ranging from smaller unsecured facilities through to large-scale commercial restructures
$5K–$10M+
Low-Doc & Self-Employed Friendly
Options available for ABN holders, contractors, and businesses without fully up-to-date financials or tax returns.
Low-Doc
Flexible Loan Terms
Choose repayment terms from 1 to 7 years, or up to 30 years for eligible property-backed refinancing solutions.
Flexible
Fast Refinance Turnarounds
Eligible unsecured refinance applications can receive approval decisions within hours, with funding possible in as little as 24 hours.
24/7
No Exit Fee Options
Some lenders offer refinance products without early repayment penalties, allowing greater flexibility as your business grows.
Early
Redraw & Variable Facilities
Stay in control of your cash flow with refinance options that include redraw access and variable repayment structures.
Renewable
Established Business
Growing Business
Premium Plans
Understanding your Rates
Transparent pricing tailored to your needs. Let’s discuss your
project and find a plan that works for you.
From 14.99%
From 14.99%
p.a.
Growing Business Profile
Businesses with shorter trading history or fluctuating revenue may still have access to funding options through selected lenders.
What lenders may consider
Newer trading history
Revenue still stabilising
Industry risk profile
Existing liabilities
Credit background
Time trading under current ABN structure
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 match you with the right 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 match you with the right options.
Easy 3 Step Process
Get funded in under 24 hours
How it works
Our Process
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
Apply in 60 seconds
no credit impact
Tell us what you need and a bit about your business.
02
We assess and call you
We assess your details and compare options.
03
Pick and proceed
Choose the quote that suits you and we handle the rest
Application Time
60 seconds
Initial Review
Same day
Funding Available
From 24 hours*
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
FAQ
01
What types of business loans do you offer?
02
How quickly can I get approved?
03
What if I am unsure which loan I need?
04
What do I need to apply?
05
Will this affect my credit score?
06
I’ve been declined before. Can you still help?
07
How much can I borrow?
08
How are repayments structured?
No credit check. No jargon. Just a number.
Get a Loan →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.
Refinance & Restructure
Apply in under 60 seconds, No credit impact
Draw down only what you need. Reuse funds as repayments are made.
Refinance & Restructuring
Get custom quotation
A business refinance helps restructure existing debt into a facility that better suits your current cash flow, repayment goals, and business needs. It can help reduce pressure, simplify repayments, and improve flexibility as your business grows.
Consolidate Existing Business Debt
Reduce Repayment Pressure
Funding From $5K to $10M+
Access refinance and restructuring solutions ranging from smaller unsecured facilities through to large-scale commercial restructures
$5K–$10M+
Low-Doc & Self-Employed Friendly
Options available for ABN holders, contractors, and businesses without fully up-to-date financials or tax returns.
Low-Doc
Flexible Loan Terms
Choose repayment terms from 1 to 7 years, or up to 30 years for eligible property-backed refinancing solutions.
Flexible
Fast Refinance Turnarounds
Eligible unsecured refinance applications can receive approval decisions within hours, with funding possible in as little as 24 hours.
24/7
No Exit Fee Options
Some lenders offer refinance products without early repayment penalties, allowing greater flexibility as your business grows.
Early
Redraw & Variable Facilities
Stay in control of your cash flow with refinance options that include redraw access and variable repayment structures.
Renewable
Established Business
Growing Business
Premium Plans
Understanding your Rates
Transparent pricing tailored to your needs. Let’s discuss your
project and find a plan that works for you.
From 14.99%
From 14.99%
p.a.
Growing Business Profile
Businesses with shorter trading history or fluctuating revenue may still have access to funding options through selected lenders.
What lenders may consider
Newer trading history
Revenue still stabilising
Industry risk profile
Existing liabilities
Credit background
Time trading under current ABN structure
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 match you with the right options.
Easy 3 Step Process
Get funded in under 24 hours
How it works
Our Process
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
Apply in 60 seconds
no credit impact
Tell us what you need and a bit about your business.
02
We assess and call you
We assess your details and compare options.
03
Pick and proceed
Choose the quote that suits you and we handle the rest
Application Time
60 seconds
Initial Review
Same day
Funding Available
From 24 hours*
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
FAQ
01
What types of business loans do you offer?
02
How quickly can I get approved?
03
What if I am unsure which loan I need?
04
What do I need to apply?
05
Will this affect my credit score?
06
I’ve been declined before. Can you still help?
07
How much can I borrow?
08
How are repayments structured?
No credit check. No jargon. Just a number.
Get a Loan →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.
Refinance & Restructure
Apply in under 60 seconds, No credit impact
Draw down only what you need. Reuse funds as repayments are made.
Refinance & Restructuring
A business refinance helps restructure existing debt into a facility that better suits your current cash flow, repayment goals, and business needs. It can help reduce pressure, simplify repayments, and improve flexibility as your business grows.
Consolidate Existing Business Debt
Reduce Repayment Pressure
Funding From $5K to $10M+
Access refinance and restructuring solutions ranging from smaller unsecured facilities through to large-scale commercial restructures
$5K–$10M+
Low-Doc & Self-Employed Friendly
Options available for ABN holders, contractors, and businesses without fully up-to-date financials or tax returns.
Low-Doc
Flexible Loan Terms
Choose repayment terms from 1 to 7 years, or up to 30 years for eligible property-backed refinancing solutions.
Flexible
Fast Refinance Turnarounds
Eligible unsecured refinance applications can receive approval decisions within hours, with funding possible in as little as 24 hours.
24/7
No Exit Fee Options
Some lenders offer refinance products without early repayment penalties, allowing greater flexibility as your business grows.
Early
Redraw & Variable Facilities
Stay in control of your cash flow with refinance options that include redraw access and variable repayment structures.
Renewable
Established
Business
Growing
Business
Premium Plans
Understanding your Rates
Transparent pricing tailored to your needs. Let’s discuss your project and find a plan that works for you.
From 9.9%
From 9.9%
p.a.*
Established Business Profile
Businesses with stronger trading history, revenue consistency and repayment conduct may access more competitive funding options.
What lenders may consider
2+ years trading
Consistent business revenue
Strong cash flow position
Good repayment history
Lower perceived lending risk
Good credit score
35+ industries supported
Who we help
Every Industry Covered
We work across industries with different needs, timelines, and risk profiles.
Get funded in under 24 hours
How it works
Our Process
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
Apply in 60 seconds
Tell us what you need and a bit about your business.
02
We assess and call you
We assess your details and compare options.
03
Pick and proceed
Choose the quote that suits you and we handle the rest
Application Time
60 seconds
Initial Review
Same day
Funding Available
From 24 hours*
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
FAQ
What types of business loans do you offer?
How quickly can I get approved?
What if I am unsure which loan I need?
What do I need to apply?
Will this affect my credit score?
I’ve been declined before. Can you still help?
How much can I borrow?
How are repayments structured?
No credit check. No jargon. Just a number.
Get a Loan →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.