Capnix is not a lender and never lends its own capital. We take your file to lenders who fund day-to-day operations and renovation or expansion for hospitality and F&B, and run the loan through to disbursal. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
Working capital that keeps doors open
We approach lenders whose terms fit the daily cash flow of hospitality, so staffing, stock, and running costs are covered through quieter spells.
Finance to refresh and expand
We help you put a case behind a renovation or a new outlet, then approach lenders suited to funding the experience your guests come for.
What hospitality businesses need
Working capital for daily operations
Renovation and refurbishment finance
Expansion finance for new outlets
How it works
A clear path to your loan
From your first message to disbursal, here is how we work with you.
01
Tell us what your business needs
Share your loan amount, what it is for, and a quick snapshot of how your business runs day to day.
02
We analyse your financials
Our AI-assisted tools read your cash flow and financial health to build a clear, lender-ready picture.
03
We match you and apply
Our experts shortlist the lenders best suited to your profile, then build and submit the application for you.
04
We see your loan through
We stay with you from sanction through to disbursal, keeping you posted at every single stage.
Suited products
Loan products that fund Hospitality businesses
Working Capital Loans
Keep operations running smoothly and manage day-to-day cash flow.
Term Loans
Fund expansion, equipment, or long-term growth.
Equipment Financing
Acquire machinery and assets without straining your cash reserves.
Secured Business Loans / Loan Against Property
Larger-ticket business funding backed by property or other collateral.
Merchant Cash Advance / POS-based Loans
Funding linked to card, POS, or digital sales activity.
Loan products, rates, and eligibility are determined by our partner lenders. Capnix is not a lender and does not lend its own capital. We run your loan journey end to end.
Good to know
Questions about loans for hospitality
Working capital for daily operations, term loans for renovation or expansion, and equipment finance for kitchens and fit-outs. Capnix picks the right route and runs the application for you.
Yes. Term loans and equipment finance are well suited to refurbishment and expansion. We take your file to lenders comfortable with the sector and stay on it until disbursal.
Getting your loan costs you nothing. No joining fee, no file charge, no cut of your loan. Capnix is not a lender, so the money comes from our partner lenders while we run the journey.
The method behind it
Read your season. Matched to the right lender
Hospitality and F&B run on seasons, footfall, and fit-out cycles. We read how your covers and cash flow move through the year, then size funding to your real working needs.
From there we approach lenders comfortable with seasonal, footfall-driven businesses, so the terms fit your calendar, and getting your loan costs you nothing.
The right loan for your hospitality business.
Tell us what your business needs. We approach the lenders most likely to say yes, and usually reply within one business day.
