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Why getting funded is free

Getting your loan costs you nothing

Getting your loan costs you nothing. Not one rupee, at any stage. We run your loan from loan-ready to disbursal, lenders pay us when the money lands, and the one thing that is paid is an optional subscription you never need to buy.

An Indian textile shop owner in his fabric store
The promise

Getting funded should not cost you a fee

We started Capnix because getting a business loan in India is slow, opaque, and stacked against the borrower. Owning that work for you should not add another bill to the business that needs the money.

So it does not. We carry your loan from loan-ready to disbursal, and lenders pay us when it lands. That arrangement does not touch your rate, your terms, or which lenders we take your case to.

A small-business owner working in her studio
What free means

Zero, from your first message to disbursal

Not "free trial" free. Not "free until disbursal" free. From your first message to the day the money lands, here is what your loan costs you in Capnix fees.

No joining or registration fee

Talking to us, sharing your requirement, and getting our read on your business costs nothing.

No file or processing charge from us

The analysis, getting your file loan ready, the application, and the chasing are all part of the job, not line items.

No cut of your loan

Every rupee the lender disburses is yours. We never take a percentage of your loan amount.

No surprise at the end

Your contract, rate, and EMI sit entirely between you and the lender, on the lender's standard terms.

See how it works
Follow the money

So how does Capnix earn?

A business model you cannot inspect is just a promise. So here is ours, end to end, in the order the money actually moves. Notice what is missing: a single rupee from you to get your loan.

See if you are loan-ready

First, we get you funded

We read your file, get it loan ready, take it to the lenders most likely to back it, and run the application to the end. The lender sanctions and disburses on its standard terms, the branch rate card.

Then the lender pays for the work

Only after your loan is disbursed, the lender pays Capnix a fee from its own side. It is the same way lenders already pay to source customers through branches and agents.

And your loan stays untouched

The fee never touches your rate, your EMI, or your loan amount. If your loan does not happen, nobody pays us anything. That is the whole incentive.

Whose side we are on

Built so your outcome is our outcome

Capnix only earns when a business actually gets funded. That one fact shapes how we behave on every file.

An early honest no

If we cannot realistically get you funded, we tell you upfront, never stringing you along for a pipeline.

No favoured lender

We read your business first, then take your file to the lenders most likely to back it on terms that truly fit you.

Data stays private

Your file goes only to the lenders you approve, with your consent. We never sell your data to anyone else.

Lenders decide, not us

Lenders decide every approval, rate, and term, never us. We improve your odds by preparing your case properly and carrying it to the end.

Free, compared

What "free" replaces

Most businesses do not go to the bank alone. They go through an agent, and the agent's bill arrives in pieces: a file charge here, a cut of the disbursal there. Here is the same journey, side by side.

Every row below is about getting your loan. Improvement plans are a separate, optional subscription and are not part of this.

Cost itemThe usual unorganised route
Joining or registration feeSometimes charged before any work beginsNever
File or processing chargeCommonly charged, whatever the outcome₹0, from your first message to disbursal
Cut of the loan amountA percentage of the disbursal is common practice0%. Every rupee stays yours
If your file is not readyShopped to lenders anyway, hard enquiries and allWe tell you within one business day, and what to fix
Which lender you end up withSteered by the agent's own arrangementsMatched to the lenders most likely to back your file, and we go back out if one declines
Fees in writingOften verbal, often revised late in the process₹0, in writing, before we start

Practices vary across the market; the left column describes patterns businesses commonly report, not any specific firm. 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.

An advisor and a client reviewing a document together

The one thing
that is paid

Businesses that want to work on their readiness over time can take an improvement plan, a separate paid subscription with one-on-one advisor guidance and a plan to fix what is holding the file back. It is priced and agreed before you commit, and it is the only paid product on Capnix.

Getting your loan costs you nothing either way. No one on our team is paid to push the subscription, and declining it never changes how your file is handled. This is all of it.

Good to know

Questions about free

Straight answers on what free covers, how we earn, and the one optional subscription that is paid.

Yes. Getting your loan costs you nothing: no joining fee, no file fee, no processing charge from us, and no cut of your loan amount. The cost of running your loan journey sits with the lender, never with the business we are working for.
There is no catch. We only earn when a business actually gets funded, so everything we do is built toward that outcome. If we cannot realistically get you funded, we say so upfront rather than waste your time.
No. Your rate, tenure and terms are set by the lender's own credit policy, not by us, and our fee is never added to your loan. We do not add anything on top of what the lender offers you.
No. No lender owns Capnix and none gets preference. We read your business first, then take your file to the lenders most likely to back it on terms that fit you. If one declines, we go back out with your file.
Yes, one thing, and it is optional: an improvement plan subscription for businesses that want to work on their readiness over time, with one-on-one advisor guidance. It is priced and agreed before you commit. Getting your loan costs you nothing either way, and declining the subscription never changes how your file is handled.
When a loan we ran is disbursed, the lender pays Capnix a fee from its own side, the way lenders already pay to source customers through branches and agents. The fee pays for the work done on your file, it is never added to your loan, and if the loan does not happen we earn nothing on it. The optional improvement plan subscription is our other line of revenue.
A lender may have its own processing fee, documentation, or statutory charges, exactly as it would if you applied at the branch directly. Those are set out in the lender's sanction letter before you sign, and we walk you through every line so nothing surprises you. Capnix adds nothing on top of them.
Applying directly means guessing which lender's unpublished credit policy fits your business, and a wrong guess can cost a hard enquiry and lost weeks. We get your file loan ready, take it to the lenders most likely to back it, run the application, and chase the lender to disbursal. Getting your loan still costs you nothing, on the lender's standard terms.
No. We are paid only when your loan actually happens, so speed and attention on your file are the only way we earn at all. You get a team that owns your case, an honest read within one business day, and follow-through to disbursal.
Worth remembering

No joining fee.
No cut of your loan.
Getting funded costs you nothing, and we earn only when you do.

Get funded,
at no cost to get it.

Tell us what your business needs. We take your file to the lenders most likely to back it and run it to disbursal. Getting your loan costs you nothing.

Talk to our team