How Capnix Chooses Which Lenders See Your File

What happens to your loan requirement

1. You share your loan requirement and documents. We use AI-assisted tools and our team to understand your borrowing strength and present your business well.

2. Our team decides which lenders to approach. AI-assisted tools do the first read of your numbers. A person on our team then checks the picture and decides which lenders to approach for you. We aim for the lenders we think are most likely to fund your business.

3. You approve before anything is shared. Nothing about your loan requirement is shared with a lender or a Lender Partner until you approve it. We approach lenders directly, or through Lender Partners, the firms that work with those lenders. You can withdraw your approval in your Capnix account and give it again later.

4. The lender decides. The final decision, the amount, the interest rate, the terms and the timeline are entirely the lender's. We do not guarantee any loan, approval, amount, rate or disbursal. You are free to decline any offer a lender makes.

How we are paid, and what it means for you

Capnix is paid by the lenders on our panel when a loan is disbursed. You pay us nothing to get your loan: no joining fee, no file charge and no share of your loan.

You should know the conflict this creates. Capnix earns only when a lender disburses a loan, so we have a financial interest in a loan going ahead. The amount, the rate and the terms are still the lender's to set, not ours. Capnix also offers an optional paid subscription for improvement plans. You never need it to apply for or receive a loan. See why Capnix is free and clause 08 of our Terms of Service.

What you control

Nothing is shared with a lender without your consent.
You can withdraw your approval to share in your Capnix account.
You can decline any offer.
You can ask us to delete your data. See the data storage policy.

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