Capnix
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Loans for Indian Businesses

Get your business funded.

Share your GST number. We run the whole loan for you, from first call to money in your account.

Start with your GST number

Before we work on your file, we need your agreement to four things. Capnix is run by Webority Technologies Private Limited ("we"). You can read every document in full before you agree. If you do not agree to all four, we cannot take your file forward.

What you agree to

  1. Our Terms. You accept the Capnix Terms of Service, version 1.1, published at capnix.ai/terms.
  2. How we handle your data. You consent to us collecting and using your personal data as the Capnix Privacy Policy, version 1.3, describes. It is published at capnix.ai/privacy.
  3. Fetching your records. You let us fetch information about you and your business from official and commercial sources. These are the GST registry and GST returns, company records, credit bureaus, PAN and bank account checks, income tax records, and documents held in DigiLocker. We fetch it again when it goes out of date. We use it only to assess your business, to work out its Capnix score each month and keep a history of those scores, and to prepare your loan requirement. The Capnix score is not a credit score and not an approval.
  4. Sharing with lenders. You let us share your business profile, including its Capnix score, and documents with the lenders and Lender Partners we approach for your loan requirement, so that they can assess it and make an offer. We share nothing with a lender before you have asked us to take a loan requirement forward.

If you are a director, partner or guarantor of a business on Capnix, "your business" means the business you are connected to, and the records we fetch include your own PAN and personal credit report.

Optional

Updates from us. You may also choose to receive product news and offers from us by email. Saying no does not change anything else on this page.

Your control

  • You can withdraw this consent at any time, from your Capnix account, or ask us at dpo@capnix.ai and we will email you a link to withdraw it yourself. Withdrawing stops any new fetching and any new sharing.
  • This consent lasts until you withdraw it. If we change this wording, we will ask you to agree again.
  • We keep a record of when you agreed, which wording you saw, and the address and device you used.

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  • Costs you nothing
  • Access to 300+ lenders
  • A personal credit check runs only with your consent

Explore business loan options from multiple lenders

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A business owner going over loan options with an advisor
About Capnix

Business loans, made simpler to find

At Capnix, we understand that finding the right business loan can be challenging. Different lenders have different eligibility criteria, documentation requirements, and lending policies, making it difficult for business owners to know where to start.

As a Lending Service Provider (LSP), Capnix simplifies this journey by connecting MSMEs and business owners with potential lenders based on their business profile, financial requirements, and loan eligibility.

Whether you need funds for working capital, business expansion, or equipment financing, we help you navigate the lending landscape and explore suitable financing options.

With Capnix, you can focus on your business while we help make your search for business financing simpler.

Eligibility and documentation

What you need to apply

Business loan eligibility

  • Business registrationGST registration details required to get started with Capnix.
  • Business vintagegenerally, at least 1 year of business operations, subject to lender requirements.
  • Annual turnover₹30 lakh or above as a target eligibility benchmark.
  • Income tax returns (ITR)at least 1 year of ITR, where applicable and required by the lender.
  • CIBIL scoreminimum 700.
A business owner checking details on a tablet at her shop counter

Documents required

Following documents are required when applying for a business loan:

  • GST registration
  • Relevant financial documents
  • Last 3 years balance sheets
  • PAN card or Form 60
  • 1+ year of ITR
  • CIBIL score report
Business documents in folders on a desk beside a calculator and pen
Start with your GST number
What happens next

Three steps. We carry the load.

One team owns every step, from the first call to money in your account.

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.

Why businesses pick Capnix

Real people work on your loan, start to finish

One Capnix team owns your file from the first call to disbursal. You always know who is working on it.

We handle everything

From first call to money in your account, we do the work. You run your business.

One file, access to 300+ lenders

We send your file to the lenders most likely to say yes, not the highest payer.

A no is not the end

If a lender says no, we find out why, fix it, and try the next one.

Track every step

We tell you where your loan is at every step, and who is working on it.

It costs you nothing

No joining fee, no file charge, no cut of your loan. Lenders pay Capnix when the loan is disbursed.

Your data, your call

We read your records only with your consent. Nothing goes to a lender until you give consent.

CIBIL score

Why does your CIBIL score matter for a business loan?

Your CIBIL score helps lenders assess your creditworthiness and repayment history when evaluating a business loan application. A stronger score may improve your chances of qualifying for a loan and accessing better interest rates and loan terms, depending on the lender's criteria.

At Capnix, we consider business loan profiles with a CIBIL score of 700 or above. Your final eligibility depends on other factors, including business turnover, financial records, existing liabilities, and the lender's criteria.

What is the minimum CIBIL score required for a business loan?

700 and above
The minimum CIBIL score accepted by Capnix for business loan profiles.
750 and above
Generally considered a strong credit score and may improve your chances of qualifying for suitable loan options.
A business owner and an advisor reviewing figures on a tablet on a factory floor
Loan products

Every kind of business loan, one file

Working capital, term loans, equipment finance, loan against property, invoice and bill discounting, unsecured business loans and more. You tell us the need. We find the product and the lender.

Start with your GST number
Before you apply

Business loan do's and don'ts

Do's

  • Maintain a healthy CIBIL score of 700 or above to meet Capnix's minimum profile requirement.
  • Keep your documents ready, including PAN, GST details (if applicable), ITR, and bank statements.
  • Assess your repayment capacity before deciding on a loan amount.
  • Check eligibility criteria before applying to a lender.
  • Maintain a good repayment track record on existing loans and credit facilities.
  • Choose a loan aligned with your business needs, such as working capital, expansion, or machinery.

Don'ts

  • Don't ignore your CIBIL score or your credit repayment history.
  • Don't submit incorrect information or inconsistent financial documents.
  • Don't borrow more than your business needs or can comfortably repay.
  • Don't apply randomly to multiple lenders without checking eligibility first.
  • Don't miss existing EMI payments, as this may affect your credit profile.
  • Don't use borrowed funds without a clear repayment plan.

businesses across India, from Jaipur to Hyderabad. Six of them tell you how it went.

Read their reviews
In their words

Clear answers, from first question to next step.

What it was like to start a loan with Capnix, for owners running very different businesses.

  • Amit Sharma

    Small Business Owner, Jaipur, Rajasthan

    “There were times when managing day-to-day business expenses became difficult because payments from customers were delayed. I approached Capnix for a business loan, and their team helped me through the process of getting the funding I needed. It made managing my working capital much easier.”

  • Priya Agarwal

    Business Owner, Indore, Madhya Pradesh

    “I wanted to expand my business but needed additional funds to take the next step. I connected with Capnix to explore a business loan, and the team helped me navigate the application and documentation. Having support throughout the process made the experience much less stressful.”

  • Rahul Verma

    MSME Entrepreneur, Lucknow, Uttar Pradesh

    “I was confused by the different requirements for business loans and didn't want to keep approaching lenders without knowing where I stood. Capnix helped me understand my options and guided me through the application process with the relevant documentation. It saved me the trouble of figuring out every step on my own.”

  • Neha Patel

    Business Owner, Ahmedabad, Gujarat

    “What I liked about Capnix was that the process started with understanding my business requirements. Instead of simply applying for a loan anywhere, I received help exploring an option that suited my profile. The team also helped me understand the steps involved in moving my application forward.”

  • Sandeep Kumar

    Retail Business Owner, Delhi, India

    “For a retail business, having funds available at the right time makes a real difference. I needed financial support to manage my business requirements, and Capnix helped me with the business loan process. The experience gave me more clarity on how to arrange the funds my business needed.”

  • Kavita Reddy

    Business Owner, Hyderabad, Telangana

    “Applying for a business loan can feel overwhelming when you're already busy running a company. What stood out to me was having support with the application and the paperwork along the way. Capnix helped make the process easier to manage while I continued focusing on my business.”

Who is behind Capnix

Built in Gurugram.
With you till disbursal, not just approval.

Capnix is built and run by Capnix First Private Limited. Our job is to get your file in front of the right lender, matched to your business, and carry it through to disbursal.

Backed by technology, run by people

Technology studies your file and helps find your match. The same team stays with it until it disburses.

The lender decides, openly

Every rate, term and decision is the lender's, and we tell you which lender.

Your data, your consent

Handled under India's data protection law. Withdraw your consent at any time.

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.

Start with your GST number
No. Getting your loan costs you nothing. There is no joining fee, no file charge and no cut of the loan. Lenders pay Capnix when a loan is disbursed.
No. Capnix is not a bank or an NBFC and never lends its own money. Loans come from the lenders on our panel, who set every rate, term and approval decision.
Your Capnix score is our own assessment of your business, not a credit score. A personal credit check runs only with your consent. A lender may run its own credit check once you give consent for your file to go to it.
A Capnix team member calls you within one business day. You tell us what the business needs. We tell you what we will need from you and how the loan will run. Your invite to the Capnix portal follows by email.
Usually your GST returns, bank statements and income tax returns, shared with your consent. We tell you exactly which ones on the call, and we read them ourselves so you are not filling forms.
It identifies your business on the public GST register. We read the registration from there, so you never have to type your business details into a long form.