Capnix is not a lender and never lends its own capital. We get your file loan ready, take it to the working-capital lenders most likely to fund you, run the application, and stay on it until the money is in your account. Getting your loan costs you nothing.
Why Capnix
More than a loan. A team that gets you there
A loan matched to your cash cycle
We look at how money actually moves through your business, then approach lenders whose working-capital terms fit your turnover and seasonality.
One application, multiple lenders
Rather than knocking on doors one by one, you share your details once and we take your profile to the lenders most likely to say yes.
Where this helps
Cover salaries, rent, and utilities through slower months
Buy stock or raw materials ahead of demand
Bridge the gap between paying suppliers and getting paid
Smooth out seasonal dips in cash flow
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 sales are steady but cash arrives unevenly
You need short-term funds rather than a long-term loan
You want to keep operations moving without dipping into reserves
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 Working Capital Loans
It covers the day-to-day running of your business, like salaries, rent, utilities, restocking, and bridging the gap between paying suppliers and getting paid. Capnix takes your file to the lenders whose working-capital terms fit your turnover and cash cycle, then runs the application through to disbursal.
A working capital loan is built for short-term operating needs, while a term loan funds a one-time, longer-term investment repaid over a fixed tenure. Capnix helps you work out which fits, then runs that application for you.
No. Capnix is not a lender and never lends its own capital. The money comes from our partner lenders. What we do is get your file loan ready, take it to the lenders most likely to fund you, run the application, and stay on it until disbursal. Getting your loan costs you nothing.
The method behind it
Read your cash flow. Matched to the right lender
Working capital lives and dies by timing. We read how money actually moves through your business, then size the facility to the gap you need to bridge, not a number off a template.
From there we approach the working-capital and receivables lenders most likely to say yes for a business like yours. The terms fit your turnover and your season, 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.
