Capnix is not a lender and never lends its own capital. We read how your business spends, take your file to lenders offering flexible credit lines, and run the application through to sanction. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
A limit that flexes with you
We help you secure a credit line whose limit and draw terms fit how unpredictably your costs arrive, so funds are there the moment you need them.
Approach the right lenders once
We present your profile to lenders who offer revolving credit on terms that suit your business, instead of you searching lender by lender.
Where this helps
Draw funds only when you actually need them
Cover unexpected costs without a fresh application
Manage irregular or seasonal cash flow
Pay interest only on the amount you use
How it works
A clear path to your loan
From your first message to disbursal, here is how we work with you.
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.
02
We analyse your financials
Our AI-assisted tools read your cash flow and financial health to build a clear, lender-ready picture.
03
We match you and apply
Our experts shortlist the lenders best suited to your profile, then build and submit the application for you.
04
We see your loan through
We stay with you from sanction through to disbursal, keeping you posted at every single stage.
What makes us different
Built around the right loan, not a product to push
01
We get you loan ready
We read your financials, find what is holding you back, and fix it before a lender ever sees your file.
02
We own the whole journey
One team stays on your file from first conversation to disbursal. You are never left chasing a lender alone.
03
One file, many lenders
We take your case to the lenders in our panel most likely to back it, instead of you applying one by one. If one says no, we go back out with your file.
04
Getting funded is free
You never pay us to get your loan. No joining fee, no file charge, no cut of your loan. We earn only once you are funded.
A strong fit if
Your funding needs change month to month
You want a safety net rather than a fixed loan
You value flexibility over a single lump sum
Loan products, rates, and eligibility are determined by our partner lenders. Capnix is not a lender and does not lend its own capital. We run your loan journey end to end.
FAQs
Questions about Business Line of Credit
You get a pre-approved limit you can draw from whenever you need it, and you pay interest only on the amount you use. Capnix takes your file to lenders offering revolving credit on terms that suit how your business spends, and runs the application for you.
When your funding needs change month to month and you want a safety net rather than a single lump sum. If your need is one-time and fixed, a term loan may fit better. We help you decide.
Getting your loan costs you nothing. No joining fee, no file charge, no cut of your loan. Any charges on the credit line itself are set by the lender, since Capnix is not a lender and the money comes from our partner lenders.
The method behind it
Read how you spend. Matched to the right lender
A credit line is only useful if its limit and draw terms fit how unpredictably your costs arrive. We read your spending pattern, then shape the case around the flexibility you actually need.
From there we approach lenders who offer revolving credit on sensible terms, so funds are there the moment you need them, and getting your loan costs you nothing.
Real people, start to disbursal.
No hand-offs and no generic replies. A dedicated team works the lenders while you keep running your business.
