The business loan FAQs that companies and partners ask most: what getting funded costs, how we get your file loan ready, how lender matching works, who qualifies, and how fast we respond. If yours is not here, our team replies within one business day.
About Capnix
How Capnix works
What Capnix is, what it costs, and what happens after you reach out.
No, and we never lend our own money. The capital comes from our partner lenders, who decide every approval, rate and term. What Capnix does is everything around that: we get your file loan ready, take it to the lenders most likely to back you, run the application, chase it, and stay on it until the money is in your account.
Getting your loan costs you nothing. No joining fee, no file charge, and no cut of your loan. We are paid by our lending partners once your loan is disbursed, so we earn only when you are funded. We also offer an optional paid subscription for improvement plans, for businesses that want to work on their readiness over time, but you never need it to get a loan through us.
Working capital loans, cash credit and overdraft facilities, term loans, business lines of credit, invoice and bill discounting, equipment and vehicle finance, secured and unsecured business loans, purchase order finance, supply chain finance, trade finance, MSME and Udyam-focused options, and selected scheme-linked routes, subject to lender eligibility.
We use AI-assisted tools to read your business financials and cash flow. That read shows your borrowing strength, tells us what to fix before a lender sees the file, and points us to the lenders most likely to fund you. Our team takes it from there and runs the loan through to disbursal.
No. Approval and final terms are the lender's decision, and no honest service can promise them. What we take responsibility for is everything up to that decision: building your file properly, taking it to the right lenders, and staying on it. If a lender declines, we do not hand you back a report. We go again.
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.
Loan products
Questions about the loans
Working capital, cash credit and overdraft, term loans, credit lines, invoice discounting, equipment and vehicle finance, secured and unsecured loans, trade finance, and MSME options.
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 takes your file to the lenders whose working-capital terms fit your turnover and cash cycle, then runs the application through to disbursal.
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, then runs that application for you.
No. Capnix is not a lender and never lends its own capital. The money comes from our partner lenders. What we do is get your file loan ready, take it to the lenders most likely to fund you, run the application, and stay on it until disbursal. Getting your loan costs you nothing.
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 takes your file to lenders offering revolving credit on terms that suit how your business spends, and runs the application for you.
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. The receivable does the work, not 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 is not a lender and never lends its own capital. We assess your receivables and trading pattern, take your file to suitable lenders, and run the application through to disbursal. Getting your loan costs you nothing.
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 takes your file to asset-friendly lenders and runs the application through.
We build your case, take it to lenders suited to the equipment and its useful life, and run the application through to disbursal. Capnix is not a lender and never lends its own capital, and getting your loan costs you nothing.
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 gets you to the right desk faster and runs the application from there.
It is a sanctioned working-capital limit that your business can draw from and repay as cash moves through the business. Lender terms may depend on stock, receivables, turnover, banking conduct, or collateral.
Both offer flexible access to funds, but cash credit and overdraft facilities are often structured around current account usage, drawing power, stock, receivables, or secured limits. Capnix helps you identify which facility fits your business.
No. Capnix is not a lender and never lends its own capital. We get your file loan ready, take it to suitable lenders, and run the application through, while the lender decides approval, limit, rate, and terms.
It is funding arranged around a confirmed customer order, helping you buy goods, materials, or services needed to fulfil that order before customer payment arrives.
Not always. Lenders also look at buyer strength, supplier terms, your execution ability, margins, and repayment path. Capnix helps package those details clearly.
Yes. If the order is genuine and commercially viable, we build the case, take it to lenders who understand order-backed working capital, and run the application through to disbursal.
It is working capital linked to buyer, supplier, dealer, distributor, or anchor relationships, often based on recurring trade flows and invoices.
Vendors, suppliers, dealers, distributors, and businesses that trade repeatedly with identifiable counterparties may be a fit, subject to lender policy.
Usually yes. Lenders need to understand the trade relationship, transaction history, and payment path. Capnix helps collect and present this clearly with your consent.
It is business funding backed by collateral, commonly property. The lender still evaluates business cash flow, borrower profile, collateral quality, and legal documentation.
Loan against property can be used for business purposes when the borrower and collateral meet lender policy. Final approval and use-case rules are set by the lender.
Yes. Capnix can help evaluate whether secured or unsecured funding is more suitable based on amount, urgency, collateral availability, tenure, and lender fit.
It is a business loan that does not require property collateral. Lenders still check business performance, credit profile, banking conduct, obligations, and repayment ability.
They can be, because the lender has less collateral support. Final pricing depends on lender policy and your risk profile. Capnix helps compare available options.
No. The lender decides approval and terms, and no honest service can promise them. What we take responsibility for is building your file properly, taking it to suitable lenders, running the application, and going again if one lender declines.
Trucks, vans, delivery vehicles, light commercial vehicles, and other eligible business transport assets may qualify, subject to lender policy.
Often yes. Commercial vehicle loans commonly use the financed vehicle as security, though final terms depend on lender policy and borrower profile.
Yes. We build the case for logistics, transport, trading, distribution, retail, and service businesses, take it to commercial vehicle lenders, and run the application through to disbursal.
Trade finance funds business transactions where payment, delivery, shipment, or documentation timing creates a cash-flow gap. It can support import, export, and domestic trade cycles.
For import or export finance, lenders usually need relevant trade documents. Domestic trade finance may use purchase orders, invoices, supplier terms, or buyer details.
No. Capnix is not a lender and does not issue banking instruments. We build your trade case, take it to lenders and financial institutions that offer suitable trade finance products, and run the application through.
No. Capnix is not a lender and does not provide or guarantee any government loan. We identify the relevant routes, get your file loan ready, and run the application with participating lenders.
Scheme availability changes by lender, geography, borrower type, and policy. Examples may include MSME-focused credit guarantee or government-supported lending routes, subject to current availability.
No. Participating lenders still assess eligibility, documents, credit profile, business strength, and scheme rules before approval.
It is funding assessed partly on merchant sales, card settlements, POS activity, or digital payment history. Structures vary by lender.
Some products may link repayment to collections or sales patterns, while others use regular EMIs. The lender decides the final structure.
Retailers, restaurants, clinics, salons, service outlets, and merchants with regular digital collections may be a fit, subject to lender policy.
Industries
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 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.
Equipment finance for machinery, term loans for capacity and expansion, and working capital for production cycles. Capnix builds the case for each and runs the application through.
Often yes. With equipment finance the asset frequently serves as security. Final terms are set by the lender. We take your file to 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 picks the right option and runs the application for you.
Yes. Working capital and credit lines are well suited to stocking up ahead of demand. We take your file to lenders comfortable with inventory-led cash cycles and stay on it until disbursal.
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.
Diagnostic and medical equipment, expansion into new facilities, and working capital. Capnix takes your file to equipment-finance and term-loan lenders and runs the application through.
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 picks the right route and runs the application for you.
Yes. Term loans and equipment finance are well suited to refurbishment and expansion. We take your file to lenders comfortable with the sector and stay on it until disbursal.
For partners
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 and the lender has paid us its fee for it. You raise a tax invoice, and we pay within 30 days of the end of that month or of receiving your invoice, whichever is later, into the bank account on your profile. Tax is deducted at source as the law requires. Your exact rate is confirmed in writing when you join.
Your commission is a share of the facilitation fee the lender pays Capnix on that loan, at a rate confirmed in writing when you join. It is not a percentage of the loan amount itself. Larger loans usually mean a larger lender fee and so a larger commission, 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 follows the lender's facilitation fee, which itself follows what the lender actually disburses. If a loan is released in tranches, your commission accrues as each tranche is disbursed and is paid once we have received the lender's fee for it.
Yes. If a client you referred comes back for another loan we run, 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 not a lender and never lends its own capital, so we cannot guarantee an approval, but we will walk you through the next steps quickly.
Answers are free. So is getting funded.
Ask us anything this page did not cover, or tell us what your business needs. A real person replies within one business day, and we take the loan from there.
