How the Capnix Score Works: 0 to 100, and What It Is Not

What the Capnix score is

Our loan readiness check reads your business and gives it a Capnix score from 0 to 100. A higher score means your business looks more ready to apply. We use it to find what is holding your file back, so we can fix it before a lender sees it.

What it is not

It is not a credit score. Our analysis does not constitute a credit-bureau score.
It is not an offer or an approval. Only a lender can tell you what you will be offered.
It is not a promise of any rate, amount or timeline.
It is not a lender's score. Each lender makes its own decision, and the amount, the rate and the terms are entirely the lender's.

Any figure, score or estimate we produce is indicative only. It is based on the information available to us at that moment. Clause 14 of our Terms of Service says the same.

What the check looks at

The check reads the signals lenders read. We describe each one on what lenders look for:

Business vintage
Annual turnover
GST discipline
Banking health
Credit history
A clear purpose

We work from data you already file, and the deeper reads connect only with your consent. We use AI-assisted tools and our team to understand your borrowing strength.

The four bands

A score falls into one of four bands, from the lowest to the highest: Not Ready, Weak, Fair and Strong. A band describes how ready your file looks today. It does not predict what a lender will decide.

What lenders look for Editorial policy Is Capnix legit?