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How it works

A clear path to your loan

Business loans are slow, opaque, and full of rejections. Capnix pairs AI-assisted analysis with hands-on facilitation, so you chase fewer lenders and spend more time running your business.

A business team reviewing financial reports together at a meeting
The process

Every step, handled for you

We read your finances, match the right lenders, and stay with you through disbursal, so you can focus on running your business.

Tell us what your business needs
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.

We analyse your financials
Step 02

We analyse
your financials

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

We match you and facilitate
Step 03

We match you
and facilitate

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

We see your loan through
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? Get one-on-one advisor guidance for a consultation fee. It is entirely optional, and your loan facilitation stays free 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. Read through the RBI Account Aggregator, 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.

Our security

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 leaves our systems unless you approve it first. Every pull is logged against your name, and you can revoke that access at any time, no questions asked.

No banking passwords,
biometrics or Aadhaar

We never ask for your net-banking login, biometrics or Aadhaar number, and we never store them. Our read uses only filed and consented data, with nothing sensitive to leak.

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, so we read your file the way a good lender would and take it to the ones most likely to say yes.

The right loan,
the right lenders.

Tell us what your business needs and we approach the
lenders most likely to say yes, usually within one business day.

Talk to our team