Capnix facilitates funding rather than lending it. We understand how your business spends, then match you to lenders offering flexible credit lines, with no cost to you and no obligation.
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 business line of credit 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 facilitate
Our experts shortlist the lenders best suited to your profile, then run 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
AI-assisted analysis
We read your financials to understand your real borrowing strength, so your case is built on more than a form.
02
Expert facilitation
A dedicated team works the lenders on your behalf, from first conversation to disbursal.
03
Wider lender access
One conversation reaches multiple lenders in our network, instead of you applying one by one.
04
Free for businesses
You pay nothing. Our lending partners pay us, so the service costs your business nothing.
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 facilitates access to funding and does not lend directly.
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 matches you to lenders offering revolving credit on terms that suit how your business spends.
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.
Capnix is free for businesses. Any charges on the credit line itself are set by the lender. We facilitate access and are paid by our lending partners.
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, at no cost to you.
Real people, start to disbursal.
No hand-offs and no generic replies. A dedicated team works the lenders while you keep running your business.
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