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Talk to our team

Get your business funded.
We run the whole loan for you.

Enter your GST number to start. We run your whole loan requirement right through to money in your account, and it costs you nothing.

Your GST number only. No hard credit enquiry, and nothing goes to a lender until you approve it.

We run the whole loan process, from ready to funded

We do not hand you a report and wish you luck. We take your loan requirement to the lenders most likely to back you, run it end to end, and stay on it until the money lands. No stage where you are left guessing.

How it works

Your loan in three clear steps

From first conversation to money in your account, we carry the load. You 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

We take your file to the lenders in our panel most likely to back it. If one says no, we go back out with your file.

Step 03

Get your loan

We build the application, chase the lender, and stay on the file until the money is in your account.

See the full process
Loan products

What we get you funded on

Fifteen products across three kinds of need. We match your file to the ones your business actually qualifies for, then take it to the lenders most likely to back it.

01 Working capital

Day-to-day liquidity, credit lines, and cash against your receivables.

02 Growth & assets

Term loans for expansion, new equipment, and longer growth horizons.

03 Specialized MSME finance

Unsecured and MSME lending, trade finance, and scheme-linked funding.

See all loan products
Why Capnix

We carry your loan
from start to disbursal

We take your loan requirement to the lenders most likely to back it, and run the process until the loan is disbursed. 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 we get you funded

One team builds your file, submits it, and chases the lender through to sanction and disbursal.

See the full process

One conversation opens the door to multiple lenders in our lender panel, matched to your file.

See what you could borrow

Getting your loan costs you nothing: no joining fee, no file charge, no cut of the loan. Lenders pay us on disbursal.

Talk to our team
Industries we serve

Loans built for your sector

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

Trading & distribution

Working capital that keeps stock moving and suppliers paid through every cycle.

Manufacturing

Term loans and equipment finance to fund capacity, machinery, and expansion.

Retail & e-commerce

Flexible credit for inventory, fit-outs, and the seasonal swings of selling.

Professional services

A loan that smooths cash flow when your revenue runs on billing cycles.

Healthcare

Capital for equipment, premises, and the steady growth of a practice.

Hospitality

Financing for refurbishment, working capital, and the off-season lull.

Not sure where you stand?

See what lenders look for
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 take your file to the right lender and stay with it through to disbursal.

Talk to our team

Ready to explore funding?

A Capnix customer support team member smiling with colleagues
No, and we never lend our own money. The capital comes from our partner lenders, who decide every approval, rate and term. What Capnix does is everything around that: we get your file loan ready, take it to the lenders most likely to back you, run the application, chase it, and stay on it until the money is in your account.
Getting your loan costs you nothing. No joining fee, no file charge, and no cut of your loan. We are paid by our lending partners once your loan is disbursed, so we earn only when you are funded. We also offer an optional paid subscription for improvement plans, for businesses that want to work on their readiness over time, but you never need it to get a loan through us.
Working capital loans, cash credit and overdraft facilities, term loans, business lines of credit, invoice and bill discounting, equipment and vehicle finance, secured and unsecured business loans, purchase order finance, supply chain finance, trade finance, MSME and Udyam-focused options, and selected scheme-linked routes, subject to lender eligibility.
We use AI-assisted tools to read your business financials and cash flow. That read shows your borrowing strength, tells us what to fix before a lender sees the file, and points us to the lenders most likely to fund you. Our team takes it from there and runs the loan through to disbursal.
No. Approval and final terms are the lender's decision, and no honest service can promise them. What we take responsibility for is everything up to that decision: building your file properly, taking it to the right lenders, and staying on it. If a lender declines, we do not hand you back a report. We go again.
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.