Cash credit and overdraft facilities help businesses manage recurring cash-flow gaps with a sanctioned limit they can draw from and repay as funds move through the business. Capnix takes your file to lenders who understand your stock, receivables, and operating cycle, and runs the application through to sanction. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
A facility matched to your operating cycle
We look at how your stock, receivables, and bank flows move, then approach lenders whose limit structure fits recurring working-capital needs.
Flexibility without repeated fresh applications
We help you pursue a facility that can be drawn and repaid as your business cycle moves, instead of applying every time cash gets tight.
Where this helps
Cover recurring working-capital gaps
Manage supplier payments before customer collections arrive
Support inventory and receivable-led cash cycles
Keep funds available through seasonal demand changes
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 business has regular stock or receivable cycles
You need repeat access to funds rather than a single loan
You want a working-capital limit linked to business movement
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 Cash Credit & Overdraft Facility
It is a sanctioned working-capital limit that your business can draw from and repay as cash moves through the business. Lender terms may depend on stock, receivables, turnover, banking conduct, or collateral.
Both offer flexible access to funds, but cash credit and overdraft facilities are often structured around current account usage, drawing power, stock, receivables, or secured limits. Capnix helps you identify which facility fits your business.
No. Capnix is not a lender and never lends its own capital. We get your file loan ready, take it to suitable lenders, and run the application through, while the lender decides approval, limit, rate, and terms.
The method behind it
Read your operating cycle. Matched to the right lender
Cash credit works when the facility tracks how your stock, receivables, and bank flows actually move. We read that cycle, then build the case for a limit that fits recurring working-capital needs.
From there we approach lenders comfortable with your cash cycle and facility type, so the limit is structured around real business movement, 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.
