From loan-ready
to funded
Business loans are slow, opaque, and full of rejections. Capnix takes the whole journey off your desk: we get your file loan ready, take it to our lender panel, run the application, and stay on it until the loan is disbursed.
Every step, owned by us
We read your finances, fix what is holding the file back, match the right lenders, and stay with you through disbursal. You keep running your business.
The signals, not your paperwork
When you talk to us, our team reads the signals that show how your business really runs. We work from data you already file, and the deeper reads connect only with your consent.
Bank statement, with consent
The last 12 months are the strongest signal of repayment. Shared by you, and read only with your consent.
GST returns
GSTR-1 and GSTR-3B show your turnover, your filing discipline, and how steady your sales have been over time.
A bureau read
Your commercial credit rank, repayment history, and recent enquiries. A personal credit check runs only with your consent.
Public registry record
Your registry record: CIN or LLPIN for companies and LLPs, GST and Udyam for everyone. The structural facts about the business that are already on file.
Your ITR, with consent
One income-tax return confirms your declared income and profitability. Used for the deeper read, only with your consent.
Personal credit checks only with your consent
These are three lines we will not cross. Stated plainly, so you can hold us to them.
Read our privacy policyNo personal credit check without your consent
We read a commercial-bureau summary to understand your business. A personal credit check on you or a director runs only after you consent to it.
No data shared without your consent
Capnix shares your file only with lenders on our panel, and only after you give consent. Every pull is logged against your name, and you can withdraw that consent at any time. Withdrawing may stop us taking your file further, and we tell you what it affects before you do.
No banking passwords, no biometrics
We never ask for your net-banking login or your biometrics, and we never store them. Where a promoter chooses Aadhaar e-KYC, we use the number only to send a UIDAI one-time code and keep just the last four digits afterwards. Our read otherwise uses only filed and consented data.
Read by people. Helped by good tools
No black box. AI-assisted tools do the first read of your numbers, then a person on our team checks the picture and decides which lenders to approach for you.
We stay close to how Indian banks and NBFCs actually lend. We read your file the way a good lender would, then take it to the ones most likely to say yes.
The right loan, the right lenders.
Tell us what your business needs and we take it from there, all the way through to disbursal.
Talk to our team