BUILT FOR INDIA'S MSMES

Smarter loans for
businesses on the rise

Capnix combines AI-assisted financial analysis with expert facilitation to match you with the right loan from the right lenders, so you can focus on running your business.

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Capnix is an AI-assisted MSME loan facilitation The Capnix team platform

We analyse your business financials, match you to suitable lenders from our network, and manage the loan process end to end. There is no cost to your business, and you stay informed at every stage.

How it works

Your loan in three clear steps

From first conversation to disbursal, we carry the load so you can keep running your business.

Step 01

Share your business

Tell us your funding need and connect your financials. Our analysis does the heavy lifting.

Step 02

We find the fit

Our experts match your profile to the lenders most likely to fund you.

Step 03

Get your loan

We facilitate the process end to end, so you focus on your business while we handle the lenders.

Why Capnix

Built to get you a loan,
not just listed

We read your business the way lenders do, then do the legwork to get you in front of the ones most likely to say yes. Here is what that looks like.

AI-assisted tools read your financials to understand your real borrowing strength, with no hard credit pull required.

See how it works

A dedicated team coordinates with lenders on your behalf, from first document to final disbursal.

How facilitation works

One conversation opens the door to multiple lenders in our growing network, matched to your file.

Explore loan products

No cost to you. We are paid by our lending partners, so our guidance stays on your side.

Talk to our team
Industries we serve

Loans built for your sector

Different sectors borrow differently. We approach the lenders that fit yours.

Not sure where you stand?

See what lenders look for

Illustrative: an FMCG trading and distribution business, stocked retail aisle
Illustrative: a manufacturing unit
Illustrative: an online seller managing apparel stock on a tablet
Illustrative: a professional services firm
Testimonials

From businesses like yours

Business owners across India tell us the same thing: read on the numbers that matter, matched to the right lender, with one team carrying the file. Here is what that looks like in their words.

Read on our cash flow, not just a credit score, and matched to lenders who get distribution. That is the help we were missing.

FMCG distributor, Surat
Working capital

We lost weeks to term-loan paperwork. One team carried the whole file to the lenders, which is exactly what a small unit needs.

Auto-components unit, Pune
Term loan and equipment finance

Payouts land weeks after we restock, so a flexible line beats a one-time loan. Reaching several lenders at once is the help we needed.

Online seller, Jaipur
Line of credit

A big invoice and payroll often hit the same month. Discounting it with the right lender, who did the chasing, took the pressure off.

Professional services firm, Bengaluru
Invoice and bill discounting

Close-up of two businessmen shaking hands to seal a deal in an office

Partnerships
that inspire
growth

CAs, DSAs, and consultants: refer the businesses you already advise and earn a commission when their loan is disbursed. No underwriting, and no paperwork burden. We carry the loan from first conversation to disbursal.

Become a Partner

Have a question?
Find answers here

Whether you are scaling up, smoothing cash flow, or buying new equipment, we help you find the right loan from the right lender, usually within one business day.

Ready to explore funding?

A Capnix customer support team member smiling with colleagues

No. Capnix is a loan facilitation platform. We analyse your business, match you to suitable lenders from our network, and manage the process. The loan itself comes from our partner lenders.

Capnix is free for businesses. We are paid by our lending partners, so there is no charge to you for using the platform or our facilitation service.

Working capital loans, term loans, business lines of credit, invoice and bill discounting, equipment financing, and MSME or Udyam-registered business loans, subject to lender eligibility.

We use AI-assisted tools to analyse your business financials and cash flow, which helps us understand your borrowing strength and approach the lenders most likely to fund you.

No. Loan approval and final terms are decided by the lenders. Capnix improves your chances by presenting your business well and approaching the right lenders, but we cannot guarantee approval.

CAs, DSAs, consultants, and anyone who can refer businesses seeking funding. Partners earn commission on successful disbursals and do not handle any financial analysis or underwriting.

Our team responds to enquiries within one business day.