Capnix is not a lender and never lends its own capital. We read how cash moves through your trading business, take your file to the working-capital and receivables lenders most likely to fund it, and stay on it until disbursal. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
A loan that tracks your cash cycle
We look at how money moves between suppliers, stock, and customers, then approach lenders whose terms fit your turnover and seasonality.
One profile, the right lenders
Instead of approaching banks one by one, you share your details once. We take your case to the lenders most likely to say yes for traders and distributors.
What trading businesses need
Working capital to keep stock moving
Inventory financing for bulk purchases
A loan that bridges cash-cycle gaps
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 Trading businesses
Working Capital Loans
Keep operations running smoothly and manage day-to-day cash flow.
Invoice & Bill Discounting
Free up cash tied up in unpaid invoices.
Business Line of Credit
Flexible access to funds, drawn as you need them.
Cash Credit & Overdraft Facility
Access a sanctioned working-capital limit for recurring cash-flow needs.
Purchase Order Finance
Fund confirmed orders before customer payment arrives.
Supply Chain Finance
Finance linked to vendor, dealer, distributor, or anchor relationships.
Commercial Vehicle Loans
Finance trucks, vans, delivery vehicles, and business transport assets.
Trade Finance
Finance import, export, and trade-cycle requirements.
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 trading
Usually working capital, a business line of credit, and invoice or bill discounting, because the cash cycle rather than heavy assets drives the need. Capnix works out the right mix and runs the application for you.
Yes. That timing gap is exactly what working capital and invoice discounting address. We take your file to lenders whose terms fit how your stock and receivables move, 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 cash cycle. Matched to the right lender
Trading and distribution live and die by the cash cycle. We read how money moves between your suppliers, stock, and customers, then size funding to the gap you need to bridge.
From there we approach the working-capital and receivables lenders most likely to say yes for traders and distributors. The terms fit your turnover, and getting your loan costs you nothing.
The right loan for your trading business.
Tell us what your business needs. We approach the lenders most likely to say yes, and usually reply within one business day.
