AI that compares 90+ lenders instantly
Compare commercial loans across 62 Australian lenders in minutes. Capx matches your business — by industry, cashflow, and asset profile — to the right finance. Bank, non-bank, equipment, invoice, property.
Apply now in less than 5 mins
- No data shared. No bias deals. No dramas.
our partner
more than 2000 companies have trust us
We Have 3k+ Global clients the World
1,000+ customer smiles $5b+ loans compared 2,000+ partnerships
Built for real people. Not perfect ones.
We've made loans make sense.
Lazy mode enabled
We’ve made it 50% faster than standard forms. Just upload your docs and we’ll scan and auto-fill your details for you.
Unmatched speed
Powerful assistance
Loans tailored for all walks of life.
Because you’re more than just a credit score.
Capx vs the old way
The bank takes weeks. We take minutes.
| Capx Funding | Big 4 banks | Traditional broker | |
|---|---|---|---|
| Time to first offer | Minutes | 2–6 weeks | 3–10 days |
| Lenders compared | 62 across full market | 1 (theirs) | 5–15 (their panel) |
| Commission disclosed upfront | Always — pre-match | N/A | Often post-settlement |
| Application time | ~4 minutes | Hours of paperwork | Initial call + forms |
| Credit impact | None — soft pull only | Hard pull on apply | Varies |
| Cost to you | $0 — free to compare | App + valuation fees | Sometimes $$$ |
Customer Reviews
Real businesses. Real outcomes.
why choose us ?
Where Banking Meets Business Excellence
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more than 2000 customers have proven it
more than 1500 businesses have proven it
frequently asked question
Quick answers. No side quests.
No. We perform a soft credit check during matching, which doesn't impact your credit file. A hard enquiry only occurs once you accept a specific lender's offer and proceed to formal application — and you control that step.
Capx is free to use. Lenders pay us a referral commission when a loan we match successfully settles. We disclose the exact commission for every match — before you accept — so you can make a fully informed decision.
We compare across 62 Australian commercial lenders — including major banks (Macquarie, Judo), non-bank specialists (Prospa, Banjo, Lumi, Grow Finance),
and asset-finance providers (ScotPac, Pepper Money). Our panel is reviewed
quarterly to ensure we're representing the live market.
Most matches need only your ABN, a bank feed connection (or six months of statements), and director ID verification. For larger or secured facilities ($500K+), lenders typically request management financials and BAS lodgements.
Yes. A bank decline doesn't disqualify you from non-bank lending — different lenders have very different risk appetites. Our matching engine is built precisely to find lenders willing to fund the deal others won't.
All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Bank feeds are read-only and routed through CDR-accredited data recipients. We never sell or share your information beyond the lenders you choose to apply to.
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The bank had us in a six-week queue for an asset finance approval. Capx had three offers in front of me by lunchtime — better rate, no balloon.
Marcus L. DIRECTOR · CABINETMAKING · NSW