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.