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For Partners

Refer a client. Earn on every disbursal.

No underwriting, no documentation to chase, none of the legwork. You introduce the business; we get the file loan ready, take it to our lender panel, and run it through to disbursal. CAs, DSAs, consultants and referral partners all qualify.

Start earning on referrals
Close-up of two businessmen shaking hands to seal a deal in an office
Who partners with us

Built for the people businesses already trust

If business owners come to you for advice, you are exactly who we built this for. Refer the ones who need a loan and our team owns it the rest of the way, right through to disbursal.

Chartered
Accountants

Clients trust you with their numbers. Refer the ones who need a loan and earn on each disbursal.

DSAs and
loan agents

Place more files without touching underwriting. We handle the analysis and lenders; you just earn.

Consultants
and advisors

Add a funding path to the advice you already give, and earn each time a client's loan is disbursed.

Ex-bankers

You already know how lenders think from the inside. Refer the businesses you can no longer serve and earn on every disbursal.

Do not see your role above? If clients trust your advice, you can refer.

See if you can partner
How partnering works

From your referral to your commission

You make the introduction. We carry the loan from there. You earn when it is disbursed.

Start earning on referrals

Refer a client in under a minute

Send us a few basic business and contact details, and that is the only thing we ever ask of you. No paperwork to chase, and nothing to fill on your client's behalf.

We take the file from here on out

Our team runs the financial analysis, the documentation, and all the lender coordination, then carries the application through the process on your behalf.

You stay in the loop, start to disbursal

We keep you posted at every stage, right through to disbursal, and the client always stays yours. You remain their trusted advisor while we quietly do the heavy lifting.

You earn your fee on every disbursal

Once your client's loan is disbursed, your commission is earned and appears in your ledger. You raise a tax invoice, we handle the rest of the payout, and there is nothing to chase on your end.

How you get paid

Refer for free. Earn on disbursal

The deal is simple. You carry no cost to join or refer, and you earn every time a referred client's loan goes through.

Free to refer

No joining fee, no cost to refer, nothing out of your pocket. You only ever earn.

Commission on every disbursal

You earn a commission on each referred loan that reaches disbursal. The more clients you refer, the more you can earn.

Clear, tracked payouts

Your payout terms are agreed in writing when you join, and our team keeps you updated on every referral as it moves towards disbursal.

Good to know

Questions partners ask

Straight answers on who can join, what it costs, the effort involved, and how you get paid.

Chartered Accountants, DSAs and loan agents, consultants, advisors, ex-bankers, and referral partners are all welcome. If you work with MSMEs that need a loan, you can partner with Capnix and earn commission on every disbursal.
Yes. There is no joining fee and no cost to refer. You only ever earn, you never pay to be a Capnix partner.
Almost none. You share a few basic business and contact details, and our team takes over the financial analysis, the documentation, and the lender coordination from there.
You earn a commission when your referred client's loan is disbursed and the lender has paid us its fee for it. You raise a tax invoice, and we pay within 30 days of the end of that month or of receiving your invoice, whichever is later, into the bank account on your profile. Tax is deducted at source as the law requires. Your exact rate is confirmed in writing when you join.
Your commission is a share of the facilitation fee the lender pays Capnix on that loan, at a rate confirmed in writing when you join. It is not a percentage of the loan amount itself. Larger loans usually mean a larger lender fee and so a larger commission, and the rate card is the same for every partner of your type.
No. There is no limit on the number of clients you refer or the total you can earn. You earn on every referred loan that is disbursed, so your earnings scale with the deals that go through.
No. Your commission is paid by Capnix out of the lender's facilitation fee. It is never deducted from your client's loan or added to their cost, so your client gets their full loan on the lender's standard terms.
Yes. Commission follows the lender's facilitation fee, which itself follows what the lender actually disburses. If a loan is released in tranches, your commission accrues as each tranche is disbursed and is paid once we have received the lender's fee for it.
Yes. If a client you referred comes back for another loan we run, that disbursal is eligible for commission as well, under the same partner terms. We cannot guarantee any approval, since the lender makes that call, but every disbursal you bring in earns.
Yes, the client always stays yours. We run the loan process behind the scenes and keep you informed, so the relationship and the trust stay with you.
Our team responds within one business day. Capnix is not a lender and never lends its own capital, so we cannot guarantee an approval, but we will walk you through the next steps quickly.
Become a Partner

Start referring today

Register your firm in a couple of minutes and start referring straight away. Complete your KYC and add a bank account we can verify, and your commission is paid out on every disbursal.

Start earning on referrals Partner sign in

Free to join. You are never charged to refer.