About CapnixHow Capnix works
What Capnix is, what it costs, and what happens after you reach out.
No. Capnix is a loan facilitation platform. We analyse your business, match you to suitable lenders from our network, and manage the process. The loan itself comes from our partner lenders.
Capnix is free for businesses. We are paid by our lending partners, so there is no charge to you for using the platform or our facilitation service.
Working capital loans, term loans, business lines of credit, invoice and bill discounting, equipment financing, and MSME or Udyam-registered business loans, subject to lender eligibility.
We use AI-assisted tools to analyse your business financials and cash flow, which helps us understand your borrowing strength and approach the lenders most likely to fund you.
No. Loan approval and final terms are decided by the lenders. Capnix improves your chances by presenting your business well and approaching the right lenders, but we cannot guarantee approval.
CAs, DSAs, consultants, and anyone who can refer businesses seeking funding. Partners earn commission on successful disbursals and do not handle any financial analysis or underwriting.
Our team responds to enquiries within one business day.
Questions about the loans
Working capital, term loans, credit lines, invoice discounting, equipment finance, and MSME loans.
It covers the day-to-day running of your business, like salaries, rent, utilities, restocking, and bridging the gap between paying suppliers and getting paid. Capnix matches you to lenders whose working-capital terms fit your turnover and cash cycle.
A working capital loan is built for short-term operating needs, while a term loan funds a one-time, longer-term investment repaid over a fixed tenure. Capnix helps you work out which fits and approaches the right lenders for it.
No. Capnix is a loan facilitation platform, not a lender. We read your financials, build your case, and approach the lenders most likely to fund you, at no cost to your business.
A one-time investment that pays off over several years, like a new branch, major equipment, or a long-term growth project, repaid over a fixed tenure. Capnix approaches lenders comfortable backing plans like yours.
Tenure is set by the lender and depends on the amount and the investment. Capnix approaches lenders comfortable with multi-year repayment, so your instalments sit sensibly against your cash flow.
Yes. We help you put a clear, lender-ready case behind your plan so the amount and tenure match what the investment actually needs. Tell us the plan and our team will guide you.
You get a pre-approved limit you can draw from whenever you need it, and you pay interest only on the amount you use. Capnix matches you to lenders offering revolving credit on terms that suit how your business spends.
When your funding needs change month to month and you want a safety net rather than a single lump sum. If your need is one-time and fixed, a term loan may fit better. We help you decide.
It lets you free up the cash tied up in unpaid invoices instead of waiting for customers to pay, with the receivable doing the work rather than fresh collateral. Capnix approaches lenders who fund against receivables.
Businesses that sell on credit to other businesses and feel the strain of long receivable cycles. Capnix approaches lenders comfortable funding against invoices on sensible terms.
No. Capnix facilitates funding and does not lend. We assess your receivables and trading pattern, then approach suitable lenders, free for your business.
Machinery, vehicles, production equipment, and fit-outs, where the asset itself often serves as security so your cash stays free for operations. Capnix approaches lenders who fund the assets your business runs on.
Often the equipment itself helps secure the deal, which can reduce the need for additional collateral. Final terms are set by the lender. Capnix matches you to asset-friendly lenders.
We build your case and match you to lenders suited to the equipment and its useful life, at no cost to you. Capnix facilitates access and does not lend directly.
Registered micro, small, and medium enterprises, including Udyam-registered businesses. Capnix helps you reach lenders and schemes that recognise your registration.
Working capital, growth, equipment, and other business needs, with options shaped around how small enterprises actually operate. Capnix matches you to the right desk faster.
Questions from your sector
How funding usually works for trading, manufacturing, retail, services, healthcare, and hospitality businesses.
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 matches you to the right mix.
Yes. That timing gap is exactly what working capital and invoice discounting address. We approach lenders whose terms fit how your stock and receivables move.
Equipment finance for machinery, term loans for capacity and expansion, and working capital for production cycles. Capnix matches you to lenders for each.
Often yes. With equipment finance the asset frequently serves as security. Final terms are set by the lender. We approach lenders who fund the assets you run on.
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.
Often yes. Cash-flow-based lending looks at the strength of your business rather than demanding heavy assets. Capnix approaches lenders who work this way.
Payroll, working capital, and growth are the common uses for professional firms. We match you to lenders suited to how services businesses operate.
Diagnostic and medical equipment, expansion into new facilities, and working capital. Capnix matches you to equipment-finance and term-loan lenders.
With equipment finance, the asset often serves as security, which can ease the need for extra collateral. Final terms are set by the lender.
Working capital for daily operations, term loans for renovation or expansion, and equipment finance for kitchens and fit-outs. Capnix matches you to the right lenders.
Yes. Term loans and equipment finance are well suited to refurbishment and expansion. We approach lenders comfortable with the sector.
Questions about partnering
Referrals, payouts, and what stays with you when you refer a client.
Yes. There is no joining fee and no cost to refer. You only ever earn, you never pay to be a Capnix partner.
Almost none. You share a few basic business and contact details, and our team takes over the financial analysis, the documentation, and the lender coordination from there.
You earn a commission when your referred client's loan is disbursed. Your exact payout terms are confirmed in writing when you join, and our team keeps you updated on each referral as it progresses.
Your commission is a share of the amount the lender actually disburses, at a rate confirmed in writing when you join. Larger loans and more referrals mean more earnings, and the rate card is the same for every partner of your type.
No. There is no limit on the number of clients you refer or the total you can earn. You earn on every referred loan that is disbursed, so your earnings scale with the deals that go through.
No. Your commission is paid by Capnix out of the lender's facilitation fee. It is never deducted from your client's loan or added to their cost, so your client gets their full loan on the lender's standard terms.
Yes. Commission is calculated on what the lender actually disburses. If a loan is released in tranches, your payout follows each disbursed amount as it goes out.
Yes. If a client you referred comes back for another loan we facilitate, that disbursal is eligible for commission as well, under the same partner terms. We cannot guarantee any approval, since the lender makes that call, but every disbursal you bring in earns.
Yes, the client always stays yours. We run the loan process behind the scenes and keep you informed, so the relationship and the trust stay with you.
Our team responds within one business day. Capnix is a loan facilitation platform and not a lender, so we cannot guarantee an approval, but we will walk you through the next steps quickly.
