POS-based loans can help merchants turn regular card or digital sales into a funding case. Capnix is not a lender and never lends its own capital. We present your sales history, settlement pattern, margins, and seasonality to lenders suited to transaction-led businesses, then run the loan through to disbursal. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
Funding based on sales movement
We help lenders understand your transaction history, settlement rhythm, and seasonal sales pattern.
Useful for merchant-led businesses
We approach lenders suited to retailers, restaurants, clinics, salons, and other businesses with regular digital collections.
Where this helps
Fund inventory before peak sales periods
Manage short-term cash needs
Finance small upgrades, fit-outs, or equipment
Use digital sales history to support a loan case
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
You receive regular card, UPI, POS, or digital payments
Sales are frequent enough to show repayment ability
You need business funding without a traditional collateral-led route
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 Merchant Cash Advance / POS-based Loans
It is funding assessed partly on merchant sales, card settlements, POS activity, or digital payment history. Structures vary by lender.
Some products may link repayment to collections or sales patterns, while others use regular EMIs. The lender decides the final structure.
Retailers, restaurants, clinics, salons, service outlets, and merchants with regular digital collections may be a fit, subject to lender policy.
The method behind it
Read your sales rhythm. Matched to the right lender
Merchant-led lending depends on transaction consistency, settlement patterns, margins, and seasonality. We read the sales trail behind the business.
From there we approach lenders who understand POS and digital-payment-led cash flow, so your collections help tell the funding story.
Real people, start to disbursal.
No hand-offs and no generic replies. A dedicated team works the lenders while you keep running your business.
