Refinance &
Restructure
Apply in under 60 seconds
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 hrs
No Exit-Fee Options
Some lenders offer refinance products without early repayment penalties, allowing greater flexibility as your business grows.
Available
Redraw & Variable Facilities
Stay in control of your cash flow with refinance options that include redraw access and variable repayment structures.
Flexible
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.
Discuss your optionsWhat 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.
Discuss your optionsWhat 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.
Discuss your optionsWhat 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.
Discuss your optionsWhat 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.
Easy 3 Step Process
Decisions in as little as 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
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.
Let's Work Together
Contact Us
Contact Now
Let's talk finance options
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 does refinancing a business loan mean?
02
What types of business debt can potentially be refinanced?
03
Can several business debts be combined into one facility?
04
Does refinancing always reduce repayments?
05
Are there costs involved in refinancing business debt?
06
Can I refinance and access additional business funding at the same time?
07
What information is usually needed to refinance business debt?
08
What should I compare when considering refinancing?
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.
Refinance &
Restructure
Apply in under 60 seconds
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 hrs
No Exit-Fee Options
Some lenders offer refinance products without early repayment penalties, allowing greater flexibility as your business grows.
Available
Redraw & Variable Facilities
Stay in control of your cash flow with refinance options that include redraw access and variable repayment structures.
Flexible
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.
Discuss your optionsWhat 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.
Discuss your optionsWhat 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.
Easy 3 Step Process
Decisions in as little as 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
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.
Let's Work Together
Contact Us
Contact Now
Let's talk finance options
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 does refinancing a business loan mean?
02
What types of business debt can potentially be refinanced?
03
Can several business debts be combined into one facility?
04
Does refinancing always reduce repayments?
05
Are there costs involved in refinancing business debt?
06
Can I refinance and access additional business funding at the same time?
07
What information is usually needed to refinance business debt?
08
What should I compare when considering refinancing?
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.
Refinance &
Restructure
Apply in under 60 seconds
Reduce repayment pressure, consolidate existing debt, and access funding structures designed around your business today.
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 hrs
No Exit-Fee Options
Some lenders offer refinance products without early repayment penalties, allowing greater flexibility as your business grows.
Available
Redraw & Variable Facilities
Stay in control of your cash flow with refinance options that include redraw access and variable repayment structures.
Flexible
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.
Discuss your optionsWhat 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.
Discuss your optionsWhat 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.
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
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.
Let's Work Together
Contact Us
Contact Now
Let's talk finance options
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 does refinancing a business loan mean?
What types of business debt can potentially be refinanced?
Can several business debts be combined into one facility?
Does refinancing always reduce repayments?
Are there costs involved in refinancing business debt?
Can I refinance and access additional business funding at the same time?
What information is usually needed to refinance business debt?
What should I compare when considering refinancing?
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.