Your next step, funded, fast

Oolio Capital gives eligible Oolio Pay merchants access to fast, flexible business financing through our financing partner, Adyen.

If your business is eligible, you can view and accept an offer online through the Oolio portal. The process is simple and digital, with no lengthy paperwork. Once approved, funds are paid to your nominated business bank account.

Adyen is the financing partner behind Oolio Capital.

Adyen helps provide the Capital service and supports key parts of the process, including business verification, eligibility checks and confirming whether funding can be approved and paid out.

Oolio is your first point of contact for questions or support. If any additional information is needed, Oolio will let you know. In rare cases, Adyen may contact you directly.

To be eligible for Capital, you must meet the following minimum requirements:

• You are a legal entity, or proprietor in Australia.
• You must have been actively trading with us for at least 3 months or more.
• The value of card transactions must exceed AU$1,000 per month for 3 consecutive months.

Yes, the offers that you are presented with will expire in 7 days. In many cases, the offers are renewed with either similar amounts or different amounts. Please view the validity period listed with the offer to see how long you can consider taking out Capital before it expires.

After you accept the terms and complete the Oolio Capital process, funds are generally made available to your payment settlement account within 3 business days.

Oolio Capital is only available to eligible businesses, and eligibility can change over time.

If your business becomes eligible, we will invite you to register for Oolio Capital. Once registered, and multi-factor authentication has been enabled on your Pay portal login, you will be able to view any available offer and apply for funding in your Oolio Pay portal.
For questions about signing up, please contact your Oolio Account Manager. If you are having trouble viewing your offer, please contact Oolio Support.

Our financial partner, Adyen assesses your business using a range of factors, including your payment processing history, transaction volume and recent business performance.

Oolio Capital must be used for business purposes only.

This could include things like buying stock, upgrading equipment, covering repairs, investing in marketing, renovating your venue or helping manage cash flow during quieter trading periods.

Oolio Capital must not be used for personal, family or household purposes.

You will be charged a fixed flat fee for the business financing. This fee will be communicated in with the offer.

Repayments are made automatically from your daily Oolio Pay settlements. A percentage of each settlement is withheld and applied to your outstanding Oolio Capital balance.

Your repayment percentage is based on your specific offer and may vary depending on your business and the amount of funding you choose.

Because repayments are based on your settlements, the amount you repay adjusts with your trading. On busier days, you repay more. On quieter days, you repay less.

Oolio Capital is designed to be repaid over approximately 9 months. Your repayment percentage, total repayment amount, fixed fee, minimum repayment amount and final repayment date will be shown before you accept your offer.

Oolio Capital is designed to work with the natural ups and downs of hospitality. Your repayments are automatically calculated as a percentage of your daily settlement, so if your sales are lower, the repayment amount taken from your settlement is lower too.

Your offer will include repayment details, including any minimum repayment requirements and the final repayment date, so you can review the full terms before deciding whether to proceed.

If you close your business before your Oolio Capital balance has been repaid in full, you should contact Oolio Support as soon as possible.

Your repayment obligations continue until the outstanding balance has been repaid. Because repayments are normally collected automatically from your daily Oolio Pay settlements, closing your business or stopping payment processing will affect how repayments are collected.

We’ll help guide you on the next steps and, where required, work with Adyen to review your situation.

Repayments are normally collected automatically as a percentage of your daily Oolio Pay settlements. If your business is closed temporarily and you are not processing payments, there may be little or no settlement activity for repayments to be deducted from.

However, a temporary closure does not automatically pause or cancel your repayment obligations. Your loan may still include minimum repayment requirements and a final repayment date.

If you expect to close for a period of time, or if your business is experiencing financial difficulty, please contact Oolio Support as early as possible. We can help review your situation and, where required, work with Adyen to discuss what options may be available.

The minimum repayment amount is the target amount to be repaid over each 30-day period to keep your loan on track. Repayments are usually collected automatically as a percentage of your daily Oolio Pay settlements. If the amount collected during a 30-day period is less than the minimum repayment amount, you may need to make an additional repayment for the difference. Your minimum repayment amount will be shown before you accept your offer.

No. Oolio Capital does not charge interest. Instead, you’ll see a single fixed fee upfront before you accept your offer. This fee is included in your total repayment amount, so you know exactly what you need to repay before you proceed.

Your repayments are collected automatically as a fixed percentage of your daily Oolio Pay settlements.

This means that when your sales are higher, such as during a busy season or major event period, the amount repaid from your settlements will increase too. This is likely to help you pay down your Oolio Capital balance faster.

No. Your existing Oolio Capital balance must be fully repaid before you can access another Capital offer.

Once your current balance has been repaid, your eligibility may be assessed again. A new offer is not guaranteed and will depend on factors such as your recent sales performance, payment processing history and other eligibility checks.

Your repayment percentage, minimum repayment amount and final repayment date are shown before you accept your Oolio Capital offer.

Repayments are normally collected automatically as a fixed percentage of your daily Oolio Pay settlements, so the amount you repay adjusts with your trading. If your sales are lower, your repayment amount is usually lower too.

If your business is experiencing financial difficulty or your circumstances have changed, please contact Oolio Support as soon as possible. We can help review your situation and, where required, work with Adyen to understand what options may be available.

Your repayments are normally collected automatically as a percentage of your daily Oolio Pay settlements.

If the amount collected during a 30-day period is less than the minimum repayment amount shown in your Oolio Capital offer, you may need to make an additional repayment for the difference.

If your sales have declined or your business is experiencing financial difficulty, please contact Oolio Support as soon as possible. We can help review your situation and, where required, work with Adyen to understand what options may be available.

If you have questions about signing up for Oolio Capital, your eligibility or your offer, please contact your Oolio Account Manager.

If you are having trouble accessing Oolio Capital or viewing your offer in the Pay portal, please contact Oolio Support.

Tax treatment can vary depending on your business circumstances and how the funds are used.

Please check with your accountant or tax professional to confirm what applies to your business.