Capnix facilitates funding rather than lending it. We understand how your sales swing with the season, then match you to lenders offering flexible working capital and credit lines, at no cost to you.
Why Capnix
More than a loan. A team that gets you there
A loan that flexes with demand
We help you secure working capital and credit lines that scale with peaks and quiet months, so you can stock up ahead of demand without straining cash.
Draw funds when you need them
We approach lenders offering revolving credit on terms that suit retail and e-commerce, so funds are there the moment a sales spike or restock calls for them.
What retail & e-commerce businesses need
Flexible working capital for seasonal peaks
Finance for inventory build-ups
Credit you draw only as you need it
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 facilitate
Our experts shortlist the lenders best suited to your profile, then run 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 we facilitate for Retail & E-commerce
Working Capital Loans
Keep operations running smoothly and manage day-to-day cash flow.
Business Line of Credit
Flexible access to funds, drawn as you need them.
Invoice & Bill Discounting
Free up cash tied up in unpaid invoices.
Loan products, rates, and eligibility are determined by our partner lenders. Capnix facilitates access to funding and does not lend directly.
Good to know
Questions about loans for retail & e-commerce
Flexible working capital and a business line of credit are the usual fit, with invoice discounting where you sell on credit. Capnix matches you to the right option.
Yes. Working capital and credit lines are well suited to stocking up ahead of demand. We approach lenders comfortable with inventory-led cash cycles.
Nothing. Capnix is free for businesses and is paid by our lending partners. We facilitate access and do not lend directly.
The method behind it
Read your sales rhythm. Matched to the right lender
Retail and e-commerce swing with seasons, stock, and ad spend. We read your sales rhythm and margins, then size funding to the inventory and growth you are actually planning.
From there we approach lenders comfortable with fast-moving, seasonal businesses, so the terms fit your peaks and troughs, at no cost to you.
The right loan for your retail & e-commerce business.
Tell us what your business needs and we approach the lenders most likely to say yes, usually within one business day.
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