FAQs
Business loan FAQs
The business loan FAQs that businesses 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 the lenders on our panel, 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 lender applications, 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. The lender pays us a fee once your loan is disbursed, so we earn only when you are funded. We also offer the optional Capnix Score subscription (monthly reports, trends, the improvement plan and alerts), 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 pays for the day-to-day running of a business: stock, salaries, rent, utilities and the gap between paying suppliers and collecting from customers. It is not meant for buying long-life assets such as machines.
The lender decides. A common starting point is the turnover method. For micro and small enterprise borrowers with limits up to ₹5,00,00,000, the limit is computed as at least 20% of projected annual turnover. On a projected turnover of ₹1,00,00,000 that is at least ₹20,00,000. Lenders also read your banking, GST filing and repayment strength.
Banks may not take collateral on loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026. Above that, a lender may ask for security over stock and receivables, or take a CGTMSE guarantee, which covers working capital in blocks of five years. Each lender sets its own policy.
A working capital term loan is paid out once and repaid in instalments. A cash credit limit is a sanctioned amount you draw and repay as cash moves, with interest only on what you draw. Cash credit limits are usually linked to your stock and receivables.
For loans up to ₹25,00,000 to micro and small enterprises, RBI's lending directions for banks say a credit decision should take no more than 14 working days. NBFCs set their own timelines, so ask the lender for the date in writing.
On floating-rate business loans to individuals and micro and small enterprises, most banks and larger NBFCs may not charge for early repayment on loans sanctioned or renewed from 01-Jan-2026. Fixed-rate loans are not covered by that rule, so check the Key Facts Statement before you sign.
Usually bank statements and GST returns for the last 6 to 12 months, income tax returns and financial statements for 1 to 3 years, business proof and KYC. A limit linked to stock may also need a stock statement.
No. The money comes from lenders on our lender panel, and they decide approval, limit and rate. Capnix gets your file ready, shares it with lenders on our panel only after you give consent, and runs the lender application. A lender may charge its own processing fee, and we add nothing on top of it.
It is a lump sum you repay in fixed instalments over an agreed tenor, the loan period. It is meant for a one-time purpose such as a new line, a shed or equipment.
The lender sets the tenor, and it depends on the amount, the purpose and your cash flow. Published rate cards show a spread: one NBFC lists 1 to 3 years, and another lists 24 to 42 months. Ask each lender for the tenor in writing.
DSCR is the debt service coverage ratio. RBI defines it for a year as net cash accruals plus interest and finance charges, divided by the current portion of long-term debt plus interest and finance charges. It shows whether your cash can cover repayments.
Not always. Banks may not take collateral on loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026. Above that, a CGTMSE guarantee can let a bank lend without collateral, up to ₹10,00,00,000. The lender decides.
It can if you are a new or existing micro or small enterprise and the loan has no collateral or third-party guarantee. The lender applies for cover after it sanctions the loan. You do not apply to CGTMSE yourself.
On floating-rate business loans to individuals and micro and small enterprises, most banks and larger NBFCs may not charge for early repayment on loans sanctioned or renewed from 01-Jan-2026. Fixed-rate loans are not covered by that rule, so check the pre-payment terms in your Key Facts Statement.
A term loan funds a one-time investment and is repaid over a fixed tenor. A working capital loan covers the day-to-day gap between paying suppliers and collecting from customers.
Yes. Tell us the plan and we help you put a lender-ready case behind it, so the amount and tenor match what it needs. The lender still decides what it will lend.
The lender sanctions a limit. You draw what you need, repay, and draw again within the limit. Interest is charged on the amount drawn, not on the whole limit.
Usually only on what you use. On a limit of ₹10,00,000, using ₹6,00,000 for 30 days at an example rate of 10.5% costs about ₹5,178 in interest, not ₹8,630. Some lenders also charge a fee on the unused part, so read the Key Facts Statement.
It is a revolving credit card of up to ₹5,00,000 for Udyam-registered micro enterprises. CGTMSE gives the card issuer a 75% guarantee, and the card carries a reference number from the JanSamarth portal. Whether a bank is issuing the card today is not confirmed, so ask the lender.
Both are revolving limits. A cash credit limit is usually tied to stock and receivables through drawing power. A line of credit is usually read on cash flow and banking record. The lender decides which it offers.
For a digital loan, RBI requires the lender to let you exit by repaying the principal and the proportionate annual percentage rate, with no penalty, within a cooling-off period of at least one day. The lender's board sets the period.
You raise an invoice and your buyer accepts it. A lender advances a share of the invoice amount to you. On the due date the buyer pays the lender, and the lender passes you the balance after its charges.
TReDS is an electronic platform authorised by RBI where the invoices of micro, small and medium enterprises are discounted by several financiers. Only these enterprises can sell on it. Companies, government departments and other entities can join as buyers.
No. Transactions on TReDS are without recourse to the seller, so if the buyer defaults the financier cannot recover the money from you. Outside TReDS, recourse depends on the contract with the lender.
RBI lists five: A.TREDS (Invoicemart), C2FO Factoring Solutions (C2treds), KredX (DTX), Mynd Solutions (M1xchange) and the Receivables Exchange of India (RXIL). The Udyam portal still lists four and leaves out C2treds.
A buyer must pay a micro or small supplier within the agreed period, and at most 45 days from acceptance. Otherwise it owes compound interest at three times the RBI bank rate. You can file a dispute with the state MSE Facilitation Council through the MSME Samadhaan portal, if you hold a valid Udyam registration.
From 15-Jun-2026, CGTMSE covers invoices discounted on TReDS where both the buyer and the seller are micro or small enterprises. Cover is 75%, with a limit of ₹2,00,00,000 for each seller across all platforms. The cover protects the financier, not you.
In discounting you stay in charge of collecting from your buyer and you may carry the risk if the buyer does not pay. In factoring a factor takes over the receivable and collection, with or without recourse. In India, non-bank factors register with RBI as NBFC-Factors.
No. Capnix is not a lender and does not buy or fund invoices. We get your file ready, share it with lenders on our panel only after you give consent, and run the lender application. We charge you nothing for it.
The lender decides. You usually pay part of the price yourself as margin, and the lender funds the rest. The share varies by lender, machine and your profile, so ask for it in writing before you order the machine.
Often the machine is the primary security, which can ease the need for other collateral. The lender decides whether that is enough. A guarantee scheme can also remove the need for collateral on part of the loan.
It is a guarantee scheme under which NCGTC covers 60% of a machinery or equipment loan to an eligible micro, small or medium enterprise, up to ₹1,00,00,00,000. On 21-Mar-2026 it was extended to service enterprises. The cover goes to the lender, not to you.
Yes, if you are a new or existing micro or small enterprise and the loan has no collateral or third-party guarantee. The lender applies for cover after it sanctions the loan. You do not apply to CGTMSE yourself.
Lenders weigh track record heavily, so a new business should expect more questions about its plan and the promoter's own money. CGTMSE covers new as well as existing micro and small enterprises, but the lender decides whether to lend.
Usually the machine quotation or proforma invoice, supplier details, KYC, financial statements, bank statements and GST returns, and your Udyam certificate. Your lender gives the exact list.
We build your case around the machine and how it earns, share your file with lenders on our panel only after you give consent, and run the lender application to disbursal. Capnix is not a lender, and getting your loan through us costs you nothing.
It is a business loan to a micro, small or medium enterprise. The business is identified by its Udyam registration. Loans can be for working capital, machinery, growth or other business needs.
Register on the Udyam portal, which is free. Then apply to a lender through its branch or site, or through a public portal. Public sector banks source applications on the JanSamarth portal under their Credit Assessment Model. The lender decides.
Banks classify a business for priority sector lending using the classification on its Udyam certificate. Registration is free, paperless and needs only an Aadhaar number, and a lender may ask for the certificate.
For loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026, banks may not accept collateral. The limit was ₹10,00,000 before that date.
For loans up to ₹25,00,000 to micro and small enterprises, RBI's lending directions say a bank's credit decision should take no more than 14 working days. A bank must also acknowledge every application and give a reason in writing if it rejects one.
Mudra appoints no agents or middlemen. Only the government's Udyam portal can register your business. A lender must give you a Key Facts Statement, and a fee that is not in it cannot be charged unless you have explicitly agreed to it. Capnix charges the business nothing.
In the SIDBI and TransUnion CIBIL MSME Pulse of July 2026, public sector banks lead below ₹10,00,000 of exposure, NBFCs scale between ₹10,00,000 and ₹2,00,00,000, and private banks dominate above ₹2,00,00,000. Any one lender may differ.
It is a sanctioned limit on your current account. You can draw more than your balance, up to the limit, and you pay interest on the amount you use, not on the whole limit. The lender decides the limit and what security it needs.
Cash credit is a working capital limit secured by your stock and receivables. An overdraft is a limit on a current account, often backed by property, deposits or a strong banking record. Both are drawn and repaid as cash moves.
A CC limit is the sanctioned amount of a cash credit account. One common method, for micro and small enterprise borrowers with limits up to ₹5,00,00,000, computes it as at least 20% of projected annual turnover. On ₹2,00,00,000 of projected turnover that is at least ₹40,00,000. Banks add their own checks.
Drawing power is the most you can draw at a point in time. It is worked out from a current stock statement, and it can never exceed the sanctioned limit. A lender may count stock, receivables and trade creditors in different ways.
Under RBI's asset classification norms, a stock statement older than three months makes your drawings irregular. If drawings stay irregular for 90 continuous days, the account becomes a non-performing asset. Send statements on the lender's schedule.
Yes, some lenders offer an overdraft limit secured by a property you own. The lender values the property and sets the limit. It works like a secured loan with a revolving limit, so the property is at risk if you default.
Overdraft ek sanctioned limit hai jo aapke current account par milti hai. Aap balance se zyada paisa nikal sakte hain, limit tak, aur byaaj sirf nikaale hue paise par lagta hai. Limit aur security lender tay karta hai.
No. A lender provides the limit and decides its size, rate and terms. Capnix gets your file ready, shares it with lenders on our panel only after you give consent, and runs the lender application. We charge you nothing for this.
It is funding built around a confirmed customer order. It helps you buy the goods, materials or services you need to fulfil that order before the customer pays.
Not always. A lender also looks at the buyer's strength, your record of delivering similar orders, your margin, your supplier terms and the repayment path.
Once an invoice exists, the funding often moves to invoice or bill discounting, and the buyer's payment repays the lender. Ask the lender how it handles that step.
Whether a lender will fund a work order is the lender's decision. It looks at the buyer's payment record, the terms of the order and your record of delivering similar work.
A buyer must pay a micro or small supplier within the agreed period, and at most 45 days from acceptance, or owe compound interest at three times the RBI bank rate. A supplier with a valid Udyam registration can file a dispute on the MSME Samadhaan portal.
Yes, if the order is genuine and profitable. We build the case, share your file with lenders on our panel only after you give consent, and run the lender application. The lender decides whether to fund it.
It is working capital tied to your trade with a buyer, supplier, dealer, distributor or anchor, usually on recurring flows and invoices. The anchor is the large buyer or brand at the centre of the trade.
Invoice discounting funds one invoice you choose. Supply chain finance is a recurring programme, usually started around an anchor, where the lender relies on the anchor's strength and funds many invoices or purchases over time.
Dealer finance is credit a dealer or distributor uses to buy stock from the anchor. The dealer repays the lender, usually from sales. Terms such as tenor and limit are the lender's.
Yes. Only micro, small and medium enterprises sell on TReDS, and any buyer can join. The discounting is without recourse to the seller. A supplier needs a Udyam registration.
The Union Budget 2026-27 announced a mandate for TReDS on purchases from micro and small enterprises by central public sector firms, a CGTMSE guarantee for discounting, a link between GeM and TReDS, and TReDS receivables as asset-backed securities.
Usually the anchor's name, your transaction history, invoices, GST returns and bank statements. The lender needs to see the trade relationship and the payment path.
Usually yes, because a lender must see the trade relationship. Capnix shares buyer and supplier details with a lender or a Lender Partner only after you give consent, and you can withdraw that consent in your Capnix account.
It is a loan where you mortgage property you own, such as a shop, factory or other property, to borrow for business use. The lender still checks your business cash flow, your profile and the legal papers of the property.
It depends on the lender's valuation of the property, the type of property and your repayment strength. Lenders usually lend a share of the value, not all of it. Capnix cannot quote a share, because it differs by lender and property type.
Lenders may accept residential property as security for a business loan, subject to their policy. The lender decides which property types it accepts and what use of the money it allows.
It often costs less, because the lender holds security. One bank, for example, publishes secured business loan rates of 11.69% to 15.18% and unsecured rates of 13.00% to 25.91%. You also put the property at risk, so weigh both.
Yes, in one case. Under CGTMSE's hybrid security product, a lender may take collateral for part of a loan, and the unsecured part, up to ₹10,00,00,000, can be covered. A loan fully secured by collateral is not eligible, and cover applies to micro and small enterprises only.
On floating-rate business loans to individuals and micro and small enterprises, most banks and larger NBFCs may not charge for early repayment on loans sanctioned or renewed from 01-Jan-2026. Fixed-rate loans are not covered, so read your Key Facts Statement.
A term loan that is overdue for more than 90 days is classed as a non-performing asset. A secured lender must then serve a 60-day notice before it takes possession or sells, and you can object and appeal to the Debts Recovery Tribunal. Talk to the lender early if repayments slip.
Yes. We compare them on amount, tenor, cost, speed and the risk to your property, then take your file to lenders that fit. The lender decides what it will offer.
It is a business loan that needs no property or other collateral. The lender relies on your cash flow, banking conduct, credit history and obligations instead.
Not if you are a micro or small enterprise and the loan is sanctioned or renewed from 01-Apr-2026. RBI says banks may not accept collateral on loans up to ₹20,00,000 to these units. Before that date the limit was ₹10,00,000. The rule is written for banks.
CGTMSE guarantees part of a collateral-free loan to a micro or small enterprise, which lowers the lender's risk. At banks the cover goes up to ₹10,00,00,000. The lender applies for cover after sanction. You do not apply yourself.
The lender pays CGTMSE, and the scheme lets the lender recover the amount from you at its discretion. Ask for the charge in the Key Facts Statement before you sign.
They can be, because the lender has less security. Published rate cards show it: one NBFC lists unsecured business loans from 17.25% a year, and one private bank lists secured loans from 11.69% and unsecured loans from 13.00%. Your rate is set by the lender.
No rule sets one score for every lender. The CIBIL score runs from 300 to 900, and one bank's guide says lenders usually look for 700 to 750 and treats 750 and above as ideal for a term loan. Lenders also read the CIBIL MSME Rank and your repayment history.
On floating-rate business loans to individuals and micro and small enterprises, most banks and larger NBFCs may not charge for early repayment on loans sanctioned or renewed from 01-Jan-2026. Fixed-rate loans are not covered, so read the pre-payment terms in your Key Facts Statement.
Collateral free loan ka matlab hai aisa loan jisme aapko property ya koi aur security girvi nahi rakhni padti. Lender aapke business ka cash flow, bank record aur credit history dekhta hai. Approval aur rate lender tay karta hai.
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 lender applications and going again if one declines.
The lender sets it, and it varies with the vehicle, whether it is new or used, and your profile. Ask for the down payment in writing together with the on-road price, which includes insurance and registration.
Whether a lender finances a used vehicle depends on its policy. Lenders look closely at the vehicle's age and condition and may offer different terms than for a new one. Whether a lender will fund a particular vehicle is its decision.
Often the vehicle is the primary security, held under hypothecation until you repay. The lender may ask for more depending on the loan size and your profile.
The annual percentage rate is the annual cost of credit, including the interest rate and all other charges. Two offers with the same interest rate can have different APRs. RBI requires lenders to state it in the Key Facts Statement.
The Key Facts Statement must list the annual percentage rate and all charges, in a language you understand, and stay valid for at least three working days. A fee that is not in it cannot be charged unless you have explicitly agreed to it.
RBI bars pre-payment charges on floating-rate business loans to individuals and micro and small enterprises at most banks and larger NBFCs, for loans sanctioned or renewed from 01-Jan-2026. Fixed-rate loans are outside that rule, so read the pre-payment terms in your Key Facts Statement.
Yes. We build the case for a transport, logistics, trading or service business, share your file with lenders on our panel only after you give consent, and run the lender application. The lender decides whether to finance the vehicle.
It is funding and payment security around a trade transaction, where the timing of payment, delivery, shipment or documents creates a cash gap. It covers import, export and domestic trade.
A business loan is cash for general use. Trade finance is tied to a transaction: a letter of credit or guarantee backs a payment promise, packing credit funds making goods for an export order, and discounting funds an invoice.
It depends on what the buyer is asking. A letter of credit is a bank's written undertaking to pay the seller against complying documents. A bank guarantee covers default, such as failing to perform. Ask the buyer which one it needs before you apply.
Trade credit is the time a supplier gives a buyer to pay. For micro and small suppliers, a buyer must pay within the agreed period, and at most 45 days from acceptance, or owe compound interest at three times the RBI bank rate.
Under the MCGS-MSME exporter window, lenders can get a 75% guarantee on loans up to ₹20,00,00,000, with no fee in the first year and 0.50% after. The Union Budget 2025-26 also announced term loans for exporting small businesses up to ₹20,00,00,000.
No. Exports of goods or services are excluded when calculating turnover for classifying an enterprise as micro, small or medium.
For import or export finance, usually the purchase or sale contract, invoices, shipping documents, KYC and financial statements. For domestic trade, purchase orders, invoices and buyer details. Your lender gives the exact list.
No. Capnix is not a lender and does not issue banking instruments. We build your trade case, share your file with lenders on our panel only after you give consent, and run the lender application.
It is an ordinary loan from a bank or NBFC that a government guarantee scheme partly covers. The cover lets the lender lend without collateral. It protects the lender, not you.
No. A bank, NBFC or other lender lends the money. The guarantee scheme, such as CGTMSE or the Credit Guarantee Fund for Micro Units, covers part of the lender's loss if the loan defaults.
No. A guarantee is cover for the lender, not money for you. Mudra loans carry no subsidy either, and a CGTMSE claim paid to the lender does not cancel your debt.
It is a portal run by a company in which SIDBI and public sector banks hold a majority stake. It gives an in-principle approval within 59 minutes. An in-principle approval is not a sanction or a disbursal.
Yes, within CGTMSE's ceiling. Above ₹50,00,000, the lender must rate the loan internally and the rating must be investment grade. At banks the ceiling is ₹10,00,00,000 per borrower.
No. Capnix is not a lender and does not provide or guarantee any government loan. We work out which routes fit, get your file ready, share it with lenders on our panel only after you give consent, and run the lender application.
It is funding assessed partly on your card, UPI or terminal settlements. Some lenders repay by fixed instalments. Others take a share of daily settlements until the loan is repaid. The lender decides the structure.
Sometimes. A settlement-linked product takes a share of each day's card and UPI settlements. A fixed-instalment loan assessed on your settlements does not. Ask the lender which one it is, and what happens in a slow month.
Convert both to the annual percentage rate, which is the annual cost of credit including every charge. RBI requires lenders to state it in the Key Facts Statement. A factor rate is not an annual rate, so it looks cheaper than it is.
Yes, within the cooling-off period. For a digital loan, RBI lets you exit by repaying the principal and the proportionate annual percentage rate, with no penalty. The lender's board sets the period, and it is at least one day.
Retailers, restaurants, clinics, salons and other merchants with regular card, UPI or terminal collections may be a fit, subject to lender policy. Settlement history is the main evidence.
No. Capnix is not a lender. We present your sales and settlement pattern to lenders on our panel only after you give consent, and run the lender application. Getting your loan through us costs you nothing.
Industries
Questions from your sector
How funding usually works for trading, manufacturing, retail, services, healthcare, and hospitality businesses.
It depends on the need. Stock before a season suits a working capital loan. Paying suppliers before retailers pay you suits cash credit. Credit sales to businesses suit invoice discounting. Capnix helps you match the need to the product, without ranking lenders.
Often yes at small amounts. Banks may not take collateral on loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026, and Mudra loans are collateral-free. The lender still checks your sales, banking and GST filing.
Yes. Retail and wholesale trade is an eligible activity for all lenders registered with CGTMSE, on the same cover, ceiling and fee as other activities. The lender applies for cover after sanction.
Yes. Mudra covers non-farm income-generating activities such as manufacturing, processing, trading and services, for credit needs up to ₹20,00,000. Mudra refinances lenders and does not lend directly, so you apply to a bank, NBFC or microfinance lender.
The lender decides. One common method, for micro and small enterprise borrowers with limits up to ₹5,00,00,000, computes the limit as at least 20% of projected annual turnover. On ₹2,00,00,000 of projected turnover that is at least ₹40,00,000.
If you are a micro or small supplier, a buyer must pay within the agreed period, and at most 45 days from acceptance, or owe compound interest at three times the RBI bank rate. You can also discount accepted invoices, including on the TReDS platform.
Dukan ke liye aap working capital loan, cash credit ya business line of credit dekh sakte hain. Lender aapki sales, bank statement aur GST return dekhta hai. Chhote amount par bank bina collateral ke bhi loan de sakte hain. Approval lender tay karta hai.
Three kinds: a machinery or term loan for equipment and a new line, a cash credit or working capital limit for raw material and work in progress, and invoice discounting for payments from large buyers. Capnix builds the case for each and runs the lender applications.
Often yes. With a machinery loan the machine is usually the primary security. The lender decides whether that is enough, and a guarantee scheme can also remove the need for other collateral.
NCGTC gives lenders a 60% guarantee on machinery and equipment loans to eligible micro, small and medium enterprises, up to ₹1,00,00,00,000. The cover goes to the lender, and you apply to a lender, not to NCGTC.
PMEGP gives a margin money subsidy to new micro enterprises. Under its current guidelines the subsidy is 15% to 25% of the project cost for general applicants and 25% to 35% for special categories, depending on urban or rural location, on projects up to ₹50,00,000. Check the PMEGP portal for current availability.
PMEGP's guidelines allow a second loan for upgrading a unit, with a project cost of up to ₹1,00,00,000 for manufacturing and a subsidy of 15%. The first loan must have been repaid on time. Check the PMEGP portal for current availability.
They read ratios such as the debt service coverage ratio, which RBI defines for a year as net cash accruals plus interest and finance charges divided by the current portion of long-term debt plus interest and finance charges. They also read banking, GST filing and credit history.
Yes, if a lender can read your business through other records. Lenders look at GST returns, bank statements and credit history in place of a shop. Whether a lender approves is its decision.
Bank statements and GST returns are the common starting point. Some lenders may also ask for marketplace payout statements. Public sector banks score GST, tax returns, bank data shared through account aggregators, and bureau records under their Credit Assessment Model.
Yes. A working capital loan or a line of credit suits stocking up. For example, ₹10,00,000 of stock funded for 45 days at an example rate of 10.5% a year costs about ₹12,945 in interest. Your lender sets the rate.
Not always. Banks may not take collateral on loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026. CGTMSE also covers retail trade, which helps lenders lend larger amounts without collateral.
Ask for the Key Facts Statement, with the annual percentage rate and every charge. A fee that is not in it cannot be charged unless you have explicitly agreed to it. A digital loan also has a cooling-off exit of at least one day, with no penalty.
Online business loan ke liye pehle apne GST return aur bank statement taiyaar rakhein. Phir lender ko apply karein ya apna Capnix score dekhein. Lender aapki sales aur bank record dekhta hai. Approval aur rate lender tay karta hai.
Often yes. Banks may not take collateral on loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026, and many lenders lend on cash flow, banking and GST records. The lender decides.
Several do. MCGS-MSME was extended to service enterprises on 21-Mar-2026 for machinery and equipment loans. Mudra covers service activities up to ₹20,00,000. CGTMSE covers micro and small service enterprises. Check each scheme's current terms with the lender.
Educational and training institutions are an eligible activity under CGTMSE, so a lender can seek cover for loans to them. Whether a lender will lend, and on what terms, is its decision.
If you are a micro or small supplier, a buyer must pay within the agreed period, and at most 45 days from acceptance, or owe compound interest at three times the RBI bank rate. You can file a dispute with the state facilitation council through the MSME Samadhaan portal.
Cash flow, bank statements, GST filing, tax returns and credit history. Public sector banks score these records under their Credit Assessment Model. A clean repayment history counts for a great deal.
Usually equipment loans for medical equipment, term loans for a new wing or branch, and a working capital limit for running costs. Capnix helps you match each need to a product and runs the lender applications.
Yes, through a working capital loan or a cash credit limit, which lenders size from your stock and sales. A cash credit limit is capped by drawing power worked out from a current stock statement. The lender decides.
Often yes. With an equipment loan the asset is usually the primary security. Final terms are the lender's. A guarantee scheme can also reduce the need for other collateral.
MCGS-MSME gives lenders a 60% NCGTC guarantee on equipment and machinery loans to eligible micro, small and medium enterprises, and from 21-Mar-2026 it covers service enterprises, which includes healthcare businesses that qualify as micro, small or medium enterprises. The lender applies, not you.
Often yes at small amounts. Banks may not take collateral on loans up to ₹20,00,000 to micro and small enterprises sanctioned or renewed from 01-Apr-2026, and CGTMSE can cover collateral-free loans to micro and small enterprises, up to ₹10,00,00,000 at banks.
Working capital for daily operations, a term loan for a refit or a new outlet, and an equipment loan for kitchen equipment. Capnix helps you match each need to a product and runs the lender applications.
Mudra covers non-farm activities such as services, which include food and hospitality, for credit needs up to ₹20,00,000. Mudra refinances lenders and does not lend directly, so you apply to a bank, NBFC or microfinance lender.
Some lenders assess a loan on your card and UPI settlements. Repayment may be fixed instalments or a share of daily settlements, depending on the product. Ask for the annual percentage rate before you compare offers.
The same products apply. A cloud kitchen or bakery is read like any other food business: card and UPI sales, GST filing, banking record and the plan for the money. Each lender sets its own appetite for the sector, so terms differ.
Not always. From 01-Apr-2026, a bank may not accept collateral on a loan of up to ₹20,00,000 to a micro or small enterprise, whether new or renewed. CGTMSE also covers micro and small enterprises. The lender decides.
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 lender revenue Capnix receives on that loan, at the rate recorded in your Capnix account. It is not a percentage of the loan amount itself. The rate is set per partner when you join, so it can differ from another partner's.
We do not cap the number of businesses you refer. Commission is earned per loan, once it disburses, Capnix receives the lender revenue and you raise a valid tax invoice, so what you earn depends on the loans that go through.
No. Your commission is paid by Capnix out of the lender revenue it receives. It is never deducted from the business's loan or added to its cost, so the business gets its full loan on the lender's standard terms.
Yes. Commission follows the lender revenue Capnix receives, 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 Capnix has received the lender revenue 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.
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.