Capnix is a facilitator, not a lender. We assess your receivables and trading pattern, then approach lenders who discount invoices on sensible terms, free for your business.
Why Capnix
More than a loan. A team that gets you there
Cash from sales you have already made
We help you turn outstanding invoices into working funds, with the receivable doing the heavy lifting instead of fresh collateral.
Lenders who understand receivables
We match you to lenders comfortable funding against invoices, so long payment cycles stop holding your growth back.
Where invoice & bill discounting helps
Turn unpaid invoices into working cash
Stop long payment cycles from stalling growth
Keep buying stock while customers still owe you
Fund operations without a long-term loan
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
You sell on credit to other businesses
Long receivable cycles strain your cash flow
You want funding tied to sales you have already made
Loan products, rates, and eligibility are determined by our partner lenders. Capnix facilitates access to funding and does not lend directly.
FAQs
Questions about invoice & bill discounting
It lets you free up the cash tied up in unpaid invoices instead of waiting for customers to pay, with the receivable doing the work rather than fresh collateral. Capnix approaches lenders who fund against receivables.
Businesses that sell on credit to other businesses and feel the strain of long receivable cycles. Capnix approaches lenders comfortable funding against invoices on sensible terms.
No. Capnix facilitates funding and does not lend. We assess your receivables and trading pattern, then approach suitable lenders, free for your business.
The method behind it
Read your receivables. Matched to the right lender
Discounting works when the funding tracks your sales, not a template. We read your receivables and trading pattern, then build a case around the cash already owed to you.
From there we approach lenders who understand receivables-led businesses, so long payment cycles stop holding your growth back, 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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