Capnix is not a lender and never lends its own capital. We read the strength of your cash flow rather than your asset base, take your file to lenders who offer cash-flow-based lending to professional firms, and stay on it until disbursal. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
Lending built on cash flow
We help you present the strength of your revenue and pipeline, so funding fits a business built on people rather than heavy assets.
Less collateral, the right lenders
We approach lenders comfortable lending against cash flow, so you are not held back by a lack of physical security.
What services businesses need
Cash-flow-based lending
Loans without heavy collateral
Working capital for payroll and growth
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 Services businesses
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.
Term Loans
Fund expansion, equipment, or long-term growth.
Unsecured Business Loans
Business funding without property collateral, based on profile and cash flow.
Government-backed MSME Loans
Scheme-linked MSME funding through eligible lenders and programs.
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 services
Often yes. Cash-flow-based lending looks at the strength of your business rather than demanding heavy assets. Capnix takes your file to lenders who work this way and runs the application through.
Payroll, working capital, and growth are the common uses for professional firms. We take your file to lenders suited to how services businesses operate 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 billing cycle. Matched to the right lender
Service and professional firms borrow against people and receivables, not heavy assets. We read your billing cycle and pipeline, then build a case around how your firm earns.
From there we approach lenders who fund people-led businesses, so the terms fit your project and payment cycles, and getting your loan costs you nothing.
The right loan for your services business.
Tell us what your business needs. We approach the lenders most likely to say yes, and usually reply within one business day.
