How it works

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.

The process

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.

Step 01

Tell us what
your business needs

Share your loan amount, what it is for, and a quick snapshot of how your business runs day to day.

Step 02

We analyse
your financials

Our AI-assisted tools read your cash flow and financial health to build a clear, lender-ready picture.

Step 03

We match you
and apply

Our experts shortlist the lenders best suited to your profile, then build and submit the application for you.

Step 04

We see your
loan through

We stay with you from sanction through to disbursal, keeping you posted at every single stage.

A manager and professional discussing over a laptop

Optional add-on

Financial advisor
guidance

Want a deeper read on your finances, or a plan to improve them over time? Take an optional paid subscription for one-on-one advisor guidance. Getting your loan still costs you nothing either way.

What we analyse

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.

GST returns

GSTR-1 and GSTR-3B show your turnover, your filing discipline, and how steady your sales have been over time.

A soft bureau read

Your commercial credit rank, repayment history, and recent enquiries. A soft read that never touches your personal CIBIL.

Bank statement, with consent

The last 12 months are the strongest signal of repayment. Shared by you, and read only with your consent.

Public registry record

Your MCA entry: CIN, legal form, and company vintage. 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.

What we never do

No hard enquiry on your personal credit. Ever

These are three lines we will not cross. Stated plainly, so you can hold us to them.

Read our privacy policy

No hard pull on
your personal credit

We read a soft commercial-bureau summary to understand your business, never a hard enquiry. It does not dent your personal CIBIL or show up as a loan application anywhere.

No data shared
without your consent

Nothing goes to a lender unless you approve it first. 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.

The method behind it

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

Every step, owned by us

Tell us what your business needs

We analyse your financials

We match you and apply

We see your loan through

Financial advisor guidance