An early honest no
If we cannot realistically get you funded, we tell you upfront, never stringing you along for a pipeline.
Why getting funded is free
Getting your loan
Getting your loan
costs you nothing
You pay us nothing to get your loan, from the first call to disbursal. 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.
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. Our fee is never added to your loan, and it does not decide which lenders we take your case to.
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 terms the lender sets.
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. The Capnix Score subscription is separate and optional, and is not part of this.
| Cost item | The usual unorganised route | 
|
|---|---|---|
| Joining or registration fee | Sometimes charged before any work begins | Never |
| File or processing charge | Commonly charged, whatever the outcome | ₹0, from your first message to disbursal |
| Cut of the loan amount | A percentage of the disbursal is common practice | 0%. Every rupee stays yours |
| If your file is not ready | Shopped to lenders anyway, hard enquiries and all | We tell you within one business day, and what to fix |
| Which lender you end up with | Steered by the agent's own arrangements | Matched to the lenders most likely to back your file, and we go back out if one declines |
| Fees in writing | Often 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 the lenders on our panel. Capnix is not a lender and does not lend its own capital. We run your loan journey end to end.
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.
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 terms set by its own credit policy.
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 is never added to 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.
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
Capnix shares your file only with lenders on our panel, and only after you give consent. We do not sell, rent or lease your personal data to anyone.
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.
The one thing
that is paid
Your Capnix score and its band are free every month. Businesses that want more can take the Capnix Score subscription, ₹9,999 a year plus GST for each business, which adds monthly reports, trends, the improvement plan and alerts. 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: the Capnix Score subscription, ₹9,999 a year plus GST for each business. It adds monthly reports, trends, the improvement plan and alerts on top of the free monthly Capnix score. 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 Capnix Score 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 lender applications, and chase the lender to disbursal. Getting your loan still costs you nothing, and the lender sets your 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.
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