Online loan comparison FAQ
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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.
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.