Capnix
Become a Partner
For Partners

Refer a business.
Earn a share of what the lender pays Capnix.

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. Commission is a share of the lender revenue Capnix actually receives on a disbursed loan, at the rate recorded in your account, under the Partner Terms.

Create your account
A chartered accountant reviewing a business's financials with a client at their office desk
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

Businesses trust you with their numbers. Refer the ones who need a loan and earn commission under the Partner Terms.

DSAs and
loan agents

Place more files without touching underwriting. We handle the analysis and the lenders.

Consultants
and advisors

Add a funding path to the advice you already give. Earn commission on loans that disburse, under the Partner Terms.

Ex-bankers

You already know how lenders think from the inside. Refer the businesses you can no longer serve and earn commission under the Partner Terms.

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.

  1. Step 01

    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.

  2. Step 02

    We take the file from here on out

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

  3. Step 03

    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.

  4. Step 04

    You earn your commission after disbursal

    Your commission is earned once your client's loan is disbursed, the lender's fee reaches us, and you raise a valid tax invoice. It shows in your ledger, and we handle the payout from there.

Create your account

How you get paid

Refer for free. Earn when the lender pays Capnix

Free to refer

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

Commission on disbursed loans

You earn commission on a referred loan once it disburses, Capnix receives the lender revenue and you raise a valid tax invoice. It is a share of that lender revenue, at the rate in your account.

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 lender revenue Capnix receives on that loan, at the rate recorded in your Capnix account. It is not a percentage of the loan amount itself. The rate is set per partner when you join, so it can differ from another partner's.
We do not cap the number of businesses you refer. Commission is earned per loan, once it disburses, Capnix receives the lender revenue and you raise a valid tax invoice, so what you earn depends on the loans that go through.
No. Your commission is paid by Capnix out of the lender revenue it receives. It is never deducted from the business's loan or added to its cost, so the business gets its full loan on the lender's standard terms.
Yes. Commission follows the lender revenue Capnix receives, 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 Capnix has received the lender revenue 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.
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.

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.

Create your account Partner sign in

Free to join. You are never charged to refer.