Last updates May, 2026.
Terms & Conditions
Please read these Terms and Conditions carefully before using the Capioo website: www.capioo.com. By accessing, browsing, or submitting information through this website (“Website”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not accept these Terms, you must refrain from using the Website.
These Terms apply to all users residing in Australia aged 18 years or over.
1. About Capioo
Capioo Pty Ltd (ABN 88 693 376 895) (“Capioo”, “we”, “us”, or “our”) is a finance referral company that connects consumers and businesses seeking loan or finance products with licensed financial institutions, lenders, and brokers (“Partner Lenders”). Capioo operates in both business‑to‑business (B2B) and business‑to‑consumer (B2C) channels. Capioo does not provide credit directly, is not a bank, and is not acting as your financial adviser. We receive commissions, referral fees, or other remuneration from Partner Lenders when you proceed with a loan application or settlement arising from a referral made through our platform.
2. Intellectual Property
All content, design, graphics, logos, and other materials on the Website are Capioo’s property or are licensed to us.
You may not reproduce, copy, or use any part of this Website for commercial purposes without our prior written consent.
Third‑party trademarks and content appearing on this site belong to their respective owners and are used solely for identification and informational purposes. You must not use them without the owner’s permission.
3. Website Information and Disclaimer
The information provided on this Website is for general information purposes only and should not be considered financial, legal, or tax advice.
Capioo makes reasonable efforts to ensure that information on this Website is current and accurate, but we make no guarantee as to completeness, accuracy, reliability, suitability, or availability.
You should verify all product details, fees, interest rates, and terms directly with the relevant Partner Lender before making any financial decision.
Capioo is not responsible for:
Errors, omissions, or outdated information on the Website
Any loss or damage (direct or indirect) arising from use of, or reliance on, the Website content
Interruptions, technical issues, or security vulnerabilities associated with the Website
4. General Advice Warning
Information on this Website is of a general nature only and does not take into account your objectives, financial situation, or needs, whether you are an individual consumer or a business. Before acting on any information, you should consider whether it is appropriate to your circumstances and, where necessary, seek independent financial, accounting, or legal advice. Capioo does not provide personal financial advice and does not guarantee that any product shown, suggested, or referred to on this Website is suitable for you or that any application will be approved.
5. Use of Personal Information
Capioo collects and shares personal information submitted through the Website according to our Privacy Policy (available at www.capioo.com/privacy-policy). By submitting your personal details, you:
Consent to Capioo providing your information to Partner Lenders, brokers, and related entities for the purpose of matching you with finance solutions and facilitating applications.
Acknowledge that Capioo may receive a commission, referral fee, or other benefit from a Partner Lender when a finance product is approved, settled, or otherwise proceeds.
Consent to your information being used for marketing, research, and service improvement in accordance with our Privacy Policy.
You may withdraw consent or opt out of marketing communications at any time by emailing hello@capioo.com with the subject line “Unsubscribe” or by following the opt‑out link provided in our digital communications.
6. Invitation to Contact and Ongoing Communication
By submitting an inquiry or application form through Capioo, you expressly authorise Capioo and our Partner Lenders to contact you by telephone, SMS, MMS, email, or other communication methods for purposes including:
Providing relevant product information, quotes, or guidance consistent with their licences
Discussing your eligibility, application progress, or additional documentation requirements
Offering related services, promotions, or products that may be relevant to your original enquiry
If your phone number is registered on the Do Not Call Register, you consent to such contact being solicited. Calls may be made during standard calling times permitted by law (for example, 7am–9pm weekdays and 8am–5pm Saturdays). You may withdraw consent at any time by contacting us at hello@capioo.com.
7. Commission Disclosure
Capioo may receive commissions, fees, or referral payments from Partner Lenders, financial brokers, or product providers when you proceed with a product or service referred through our platform. The amount and structure of such commissions may vary between Partner Lenders and products. This remuneration is not charged to you by Capioo and does not increase the amount you pay to the lender; however, it may affect which products are available through our service.
Capioo does not guarantee that products shown through our service are the most suitable or the cheapest available in the market, and we do not compare all providers or products.
8. Security
Capioo takes reasonable steps to protect the information you provide via the Website, including using encryption and other safeguards. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the security of your own devices, logins, and internet connection when accessing the Website.
9. Cookies and Tracking Technologies
Capioo uses cookies and other tracking technologies to:
Facilitate login and basic site functionality
Improve user experience and remember preferences
Monitor Website performance and usage analytics
Deliver personalised content and advertising where lawful
You can adjust your browser settings to refuse cookies, but some Website features may not function properly as a result. By using the Website, you consent to our use of cookies and similar technologies as described in our Privacy Policy.
10. Links to Third‑Party Websites
This Website may include links or references to third‑party websites, resources, or services, including Partner Lenders. These links are provided for convenience only and do not imply endorsement, approval, or recommendation by Capioo. We do not control and are not responsible for:
The content, security, or privacy practices of any third‑party website
The availability, accuracy, or completeness of information on third‑party sites
Any loss or damage you may incur through dealings with third parties
Your use of third‑party websites is at your own risk and subject to their terms and policies.
11. Limitation of Liability
To the maximum extent permitted by law:
Capioo will not be liable for any indirect, incidental, special, or consequential loss or damage (including loss of profits, data, goodwill, or opportunity) arising out of or relating to your use of the Website, any delay or inability to use the Website, or any information, products, or services obtained through the Website.
Capioo makes no warranty that the information provided will meet your requirements or that any outcome (including approval or funding) will result from the information provided.
Capioo’s total aggregate liability for any claim arising out of or in connection with your use of the Website or our services is limited to the greater of:
(a) AUD $100, or
(b) any amount you have actually paid to Capioo (if any) for the relevant service.
Nothing in these Terms excludes, restricts, or modifies any consumer guarantees or other rights that cannot be excluded under the Australian Consumer Law.
12. Indemnity
You agree to indemnify, defend, and hold harmless Capioo, its directors, employees, contractors, and agents from and against any claims, actions, demands, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
Your use of the Website or services
Any content or information you provide that is inaccurate, misleading, or incomplete
Your breach of these Terms
Your breach of any applicable law or infringement of any third‑party rights
Capioo may assume control of the defence of any matter subject to indemnification, in which case you agree to cooperate with us in the defence.
13. Use of Website
You agree that you will:
Use the Website only for lawful purposes and in accordance with all applicable laws and regulations
Not attempt to interfere with or disrupt the operation of the Website or associated systems
Not attempt to gain unauthorised access to any part of the Website, user accounts, or our systems
Ensure that any information you provide to us is accurate, complete, and up to date
We may suspend or terminate your access to the Website at any time if we reasonably believe you have breached these Terms or engaged in fraudulent or unlawful activity.
14. Amendments to Terms
Capioo may amend, update, or replace these Terms from time to time. Changes take effect when they are posted on the Website, unless stated otherwise. Your continued use of the Website after any changes are posted constitutes your acceptance of the updated Terms. You should review these Terms periodically.
15. Governing Law
These Terms are governed by the laws of the Commonwealth of Australia and, where relevant, the laws of the State of New South Wales. You submit to the non‑exclusive jurisdiction of the courts of New South Wales and the courts of appeal from them.
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?
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 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.
Last updates May, 2026.
Terms & Conditions
Please read these Terms and Conditions carefully before using the Capioo website: www.capioo.com. By accessing, browsing, or submitting information through this website (“Website”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not accept these Terms, you must refrain from using the Website.
These Terms apply to all users residing in Australia aged 18 years or over.
1. About Capioo
Capioo Pty Ltd (ABN 88 693 376 895) (“Capioo”, “we”, “us”, or “our”) is a finance referral company that connects consumers and businesses seeking loan or finance products with licensed financial institutions, lenders, and brokers (“Partner Lenders”). Capioo operates in both business‑to‑business (B2B) and business‑to‑consumer (B2C) channels. Capioo does not provide credit directly, is not a bank, and is not acting as your financial adviser. We receive commissions, referral fees, or other remuneration from Partner Lenders when you proceed with a loan application or settlement arising from a referral made through our platform.
2. Intellectual Property
All content, design, graphics, logos, and other materials on the Website are Capioo’s property or are licensed to us.
You may not reproduce, copy, or use any part of this Website for commercial purposes without our prior written consent.
Third‑party trademarks and content appearing on this site belong to their respective owners and are used solely for identification and informational purposes. You must not use them without the owner’s permission.
3. Website Information and Disclaimer
The information provided on this Website is for general information purposes only and should not be considered financial, legal, or tax advice.
Capioo makes reasonable efforts to ensure that information on this Website is current and accurate, but we make no guarantee as to completeness, accuracy, reliability, suitability, or availability.
You should verify all product details, fees, interest rates, and terms directly with the relevant Partner Lender before making any financial decision.
Capioo is not responsible for:
Errors, omissions, or outdated information on the Website
Any loss or damage (direct or indirect) arising from use of, or reliance on, the Website content
Interruptions, technical issues, or security vulnerabilities associated with the Website
4. General Advice Warning
Information on this Website is of a general nature only and does not take into account your objectives, financial situation, or needs, whether you are an individual consumer or a business. Before acting on any information, you should consider whether it is appropriate to your circumstances and, where necessary, seek independent financial, accounting, or legal advice. Capioo does not provide personal financial advice and does not guarantee that any product shown, suggested, or referred to on this Website is suitable for you or that any application will be approved.
5. Use of Personal Information
Capioo collects and shares personal information submitted through the Website according to our Privacy Policy (available at www.capioo.com/privacy-policy). By submitting your personal details, you:
Consent to Capioo providing your information to Partner Lenders, brokers, and related entities for the purpose of matching you with finance solutions and facilitating applications.
Acknowledge that Capioo may receive a commission, referral fee, or other benefit from a Partner Lender when a finance product is approved, settled, or otherwise proceeds.
Consent to your information being used for marketing, research, and service improvement in accordance with our Privacy Policy.
You may withdraw consent or opt out of marketing communications at any time by emailing hello@capioo.com with the subject line “Unsubscribe” or by following the opt‑out link provided in our digital communications.
6. Invitation to Contact and Ongoing Communication
By submitting an inquiry or application form through Capioo, you expressly authorise Capioo and our Partner Lenders to contact you by telephone, SMS, MMS, email, or other communication methods for purposes including:
Providing relevant product information, quotes, or guidance consistent with their licences
Discussing your eligibility, application progress, or additional documentation requirements
Offering related services, promotions, or products that may be relevant to your original enquiry
If your phone number is registered on the Do Not Call Register, you consent to such contact being solicited. Calls may be made during standard calling times permitted by law (for example, 7am–9pm weekdays and 8am–5pm Saturdays). You may withdraw consent at any time by contacting us at hello@capioo.com.
7. Commission Disclosure
Capioo may receive commissions, fees, or referral payments from Partner Lenders, financial brokers, or product providers when you proceed with a product or service referred through our platform. The amount and structure of such commissions may vary between Partner Lenders and products. This remuneration is not charged to you by Capioo and does not increase the amount you pay to the lender; however, it may affect which products are available through our service.
Capioo does not guarantee that products shown through our service are the most suitable or the cheapest available in the market, and we do not compare all providers or products.
8. Security
Capioo takes reasonable steps to protect the information you provide via the Website, including using encryption and other safeguards. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the security of your own devices, logins, and internet connection when accessing the Website.
9. Cookies and Tracking Technologies
Capioo uses cookies and other tracking technologies to:
Facilitate login and basic site functionality
Improve user experience and remember preferences
Monitor Website performance and usage analytics
Deliver personalised content and advertising where lawful
You can adjust your browser settings to refuse cookies, but some Website features may not function properly as a result. By using the Website, you consent to our use of cookies and similar technologies as described in our Privacy Policy.
10. Anonymised information
This Website may include links or references to third‑party websites, resources, or services, including Partner Lenders. These links are provided for convenience only and do not imply endorsement, approval, or recommendation by Capioo. We do not control and are not responsible for:
The content, security, or privacy practices of any third‑party website
The availability, accuracy, or completeness of information on third‑party sites
Any loss or damage you may incur through dealings with third parties
Your use of third‑party websites is at your own risk and subject to their terms and policies.
11. Limitation of Liability
To the maximum extent permitted by law:
Capioo will not be liable for any indirect, incidental, special, or consequential loss or damage (including loss of profits, data, goodwill, or opportunity) arising out of or relating to your use of the Website, any delay or inability to use the Website, or any information, products, or services obtained through the Website.
Capioo makes no warranty that the information provided will meet your requirements or that any outcome (including approval or funding) will result from the information provided.
Capioo’s total aggregate liability for any claim arising out of or in connection with your use of the Website or our services is limited to the greater of:
(a) AUD $100, or
(b) any amount you have actually paid to Capioo (if any) for the relevant service.
Nothing in these Terms excludes, restricts, or modifies any consumer guarantees or other rights that cannot be excluded under the Australian Consumer Law.
12. Indemnity
You agree to indemnify, defend, and hold harmless Capioo, its directors, employees, contractors, and agents from and against any claims, actions, demands, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
Your use of the Website or services
Any content or information you provide that is inaccurate, misleading, or incomplete
Your breach of these Terms
Your breach of any applicable law or infringement of any third‑party rights
Capioo may assume control of the defence of any matter subject to indemnification, in which case you agree to cooperate with us in the defence.
13. Call recordings
You agree that you will:
Use the Website only for lawful purposes and in accordance with all applicable laws and regulations
Not attempt to interfere with or disrupt the operation of the Website or associated systems
Not attempt to gain unauthorised access to any part of the Website, user accounts, or our systems
Ensure that any information you provide to us is accurate, complete, and up to date
We may suspend or terminate your access to the Website at any time if we reasonably believe you have breached these Terms or engaged in fraudulent or unlawful activity.
14. Amendments to Terms
Capioo may amend, update, or replace these Terms from time to time. Changes take effect when they are posted on the Website, unless stated otherwise. Your continued use of the Website after any changes are posted constitutes your acceptance of the updated Terms. You should review these Terms periodically.
15. Governing Law
These Terms are governed by the laws of the Commonwealth of Australia and, where relevant, the laws of the State of New South Wales. You submit to the non‑exclusive jurisdiction of the courts of New South Wales and the courts of appeal from them.
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?
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 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.
Last updates May, 2026.
Terms & Conditions
Please read these Terms and Conditions carefully before using the Capioo website: www.capioo.com. By accessing, browsing, or submitting information through this website (“Website”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not accept these Terms, you must refrain from using the Website.
These Terms apply to all users residing in Australia aged 18 years or over.
1. About Capioo
Capioo Pty Ltd (ABN 88 693 376 895) (“Capioo”, “we”, “us”, or “our”) is a finance referral company that connects consumers and businesses seeking loan or finance products with licensed financial institutions, lenders, and brokers (“Partner Lenders”). Capioo operates in both business‑to‑business (B2B) and business‑to‑consumer (B2C) channels. Capioo does not provide credit directly, is not a bank, and is not acting as your financial adviser. We receive commissions, referral fees, or other remuneration from Partner Lenders when you proceed with a loan application or settlement arising from a referral made through our platform.
2. Intellectual Property
All content, design, graphics, logos, and other materials on the Website are Capioo’s property or are licensed to us.
You may not reproduce, copy, or use any part of this Website for commercial purposes without our prior written consent.
Third‑party trademarks and content appearing on this site belong to their respective owners and are used solely for identification and informational purposes. You must not use them without the owner’s permission.
3. Website Information and Disclaimer
The information provided on this Website is for general information purposes only and should not be considered financial, legal, or tax advice.
Capioo makes reasonable efforts to ensure that information on this Website is current and accurate, but we make no guarantee as to completeness, accuracy, reliability, suitability, or availability.
You should verify all product details, fees, interest rates, and terms directly with the relevant Partner Lender before making any financial decision.
Capioo is not responsible for:
Errors, omissions, or outdated information on the Website
Any loss or damage (direct or indirect) arising from use of, or reliance on, the Website content
Interruptions, technical issues, or security vulnerabilities associated with the Website
4. General Advice Warning
Information on this Website is of a general nature only and does not take into account your objectives, financial situation, or needs, whether you are an individual consumer or a business. Before acting on any information, you should consider whether it is appropriate to your circumstances and, where necessary, seek independent financial, accounting, or legal advice. Capioo does not provide personal financial advice and does not guarantee that any product shown, suggested, or referred to on this Website is suitable for you or that any application will be approved.
5. Use of Personal Information
Capioo collects and shares personal information submitted through the Website according to our Privacy Policy (available at www.capioo.com/privacy-policy). By submitting your personal details, you:
Consent to Capioo providing your information to Partner Lenders, brokers, and related entities for the purpose of matching you with finance solutions and facilitating applications.
Acknowledge that Capioo may receive a commission, referral fee, or other benefit from a Partner Lender when a finance product is approved, settled, or otherwise proceeds.
Consent to your information being used for marketing, research, and service improvement in accordance with our Privacy Policy.
You may withdraw consent or opt out of marketing communications at any time by emailing hello@capioo.com with the subject line “Unsubscribe” or by following the opt‑out link provided in our digital communications.
6. Invitation to Contact and Ongoing Communication
By submitting an inquiry or application form through Capioo, you expressly authorise Capioo and our Partner Lenders to contact you by telephone, SMS, MMS, email, or other communication methods for purposes including:
Providing relevant product information, quotes, or guidance consistent with their licences
Discussing your eligibility, application progress, or additional documentation requirements
Offering related services, promotions, or products that may be relevant to your original enquiry
If your phone number is registered on the Do Not Call Register, you consent to such contact being solicited. Calls may be made during standard calling times permitted by law (for example, 7am–9pm weekdays and 8am–5pm Saturdays). You may withdraw consent at any time by contacting us at hello@capioo.com.
7. Commission Disclosure
Capioo may receive commissions, fees, or referral payments from Partner Lenders, financial brokers, or product providers when you proceed with a product or service referred through our platform. The amount and structure of such commissions may vary between Partner Lenders and products. This remuneration is not charged to you by Capioo and does not increase the amount you pay to the lender; however, it may affect which products are available through our service.
Capioo does not guarantee that products shown through our service are the most suitable or the cheapest available in the market, and we do not compare all providers or products.
8. Security
Capioo takes reasonable steps to protect the information you provide via the Website, including using encryption and other safeguards. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the security of your own devices, logins, and internet connection when accessing the Website.
9. Cookies and Tracking Technologies
Capioo uses cookies and other tracking technologies to:
Facilitate login and basic site functionality
Improve user experience and remember preferences
Monitor Website performance and usage analytics
Deliver personalised content and advertising where lawful
You can adjust your browser settings to refuse cookies, but some Website features may not function properly as a result. By using the Website, you consent to our use of cookies and similar technologies as described in our Privacy Policy.
10. Links to Third‑Party Websites
This Website may include links or references to third‑party websites, resources, or services, including Partner Lenders. These links are provided for convenience only and do not imply endorsement, approval, or recommendation by Capioo. We do not control and are not responsible for:
The content, security, or privacy practices of any third‑party website
The availability, accuracy, or completeness of information on third‑party sites
Any loss or damage you may incur through dealings with third parties
Your use of third‑party websites is at your own risk and subject to their terms and policies.
11. Limitation of Liability
To the maximum extent permitted by law:
Capioo will not be liable for any indirect, incidental, special, or consequential loss or damage (including loss of profits, data, goodwill, or opportunity) arising out of or relating to your use of the Website, any delay or inability to use the Website, or any information, products, or services obtained through the Website.
Capioo makes no warranty that the information provided will meet your requirements or that any outcome (including approval or funding) will result from the information provided.
Capioo’s total aggregate liability for any claim arising out of or in connection with your use of the Website or our services is limited to the greater of:
(a) AUD $100, or
(b) any amount you have actually paid to Capioo (if any) for the relevant service.
Nothing in these Terms excludes, restricts, or modifies any consumer guarantees or other rights that cannot be excluded under the Australian Consumer Law.
12. Indemnity
You agree to indemnify, defend, and hold harmless Capioo, its directors, employees, contractors, and agents from and against any claims, actions, demands, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
Your use of the Website or services
Any content or information you provide that is inaccurate, misleading, or incomplete
Your breach of these Terms
Your breach of any applicable law or infringement of any third‑party rights
Capioo may assume control of the defence of any matter subject to indemnification, in which case you agree to cooperate with us in the defence.
13. Use of Website
You agree that you will:
Use the Website only for lawful purposes and in accordance with all applicable laws and regulations
Not attempt to interfere with or disrupt the operation of the Website or associated systems
Not attempt to gain unauthorised access to any part of the Website, user accounts, or our systems
Ensure that any information you provide to us is accurate, complete, and up to date
We may suspend or terminate your access to the Website at any time if we reasonably believe you have breached these Terms or engaged in fraudulent or unlawful activity.
14. Amendments to Terms
Capioo may amend, update, or replace these Terms from time to time. Changes take effect when they are posted on the Website, unless stated otherwise. Your continued use of the Website after any changes are posted constitutes your acceptance of the updated Terms. You should review these Terms periodically.
15. Governing Law
These Terms are governed by the laws of the Commonwealth of Australia and, where relevant, the laws of the State of New South Wales. You submit to the non‑exclusive jurisdiction of the courts of New South Wales and the courts of appeal from them.
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?
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 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.