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Why Capnix is free

On your side, by design

"Free" from a finance company deserves a straight answer. Here it is: what free means on Capnix, why there is no catch, and the one optional service that is paid.

An Indian textile shop owner in his fabric store
The promise

Your loan should not cost you a fee

We started Capnix because finding the right business loan in India is slow, opaque, and stacked against the borrower. Fixing that should not add another bill to the business that needs the money.

So it does not. Our operating costs sit on our lending partners, never on you, and that arrangement does not touch your rate, your terms, or which lenders we put your case to.

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

Zero, at every step of your loan

Not "free trial" free. Not "free until disbursal" free. From your first message to the day the money lands, here is what you pay us.

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, the documentation, and the lender coordination are all part of the service, 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.

See if you are loan-ready

First, you get your loan

We read your file, prepare it, and place it with the lenders most likely to say yes. 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 facilitation fee from its own side, the 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 works when businesses actually get the right loan. That one fact shapes how we behave on every file.

An early honest no

If we cannot realistically place your loan, we tell you upfront, never stringing you along for a pipeline.

No favoured lender

We read your business first, then approach the lenders most likely to say yes 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.

Approvals not sold

Lenders decide every approval, never us. We improve your odds by preparing and placing your case properly.

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.

Cost itemThe usual unorganised route
Joining or registration feeSometimes charged before any work beginsNever
File or processing chargeCommonly charged, whatever the outcome₹0, from first call 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 say yes to your file
Fees in writingOften verbal, often revised late in the processNothing to put in writing. The price is zero

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 facilitates access to funding and does not lend directly.

An advisor and a client reviewing a document together

The one thing
that is paid

Businesses that want a deeper, one-on-one read of their finances can book a financial advisor consultation, on a fee quoted and agreed before you commit. It is entirely optional, it is the only paid service on Capnix, and your loan facilitation stays free from first call to disbursal either way.

No one on our team is paid to push it, 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 really covers, why it stays that way, and what it means for your loan.

Yes. There is no joining fee, no file fee, no processing charge from us, and no cut of your loan amount. Our operating costs are borne by our lending partners, never by the businesses we work for.

There is no catch. The model only works when businesses actually get the right loan, so everything about Capnix is built toward that outcome. If we cannot realistically help you, we say so upfront rather than waste your time.

No. Your rate, tenure, and terms come from the lender's own credit policy, the same policy that applies if you walk into their branch directly. Nothing about our model is added to your loan.

No. No lender owns Capnix and none gets preference. We read your business first and then approach the lenders most likely to say yes on terms that fit you, because that is the only outcome that counts for us.

One thing, and it is optional: a one-on-one financial advisor consultation for businesses that want a deeper read on their finances. It is priced and agreed before you commit, and the loan facilitation itself stays free either way.

When a loan we placed is disbursed, the lender pays Capnix a facilitation fee from its own side, the way lenders already pay to source customers through branches and agents. The fee pays for work done on your file, it is never added to your loan, and if your loan does not happen we earn nothing at all.

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 read your file the way lenders do and take it to the ones most likely to say yes. The price is the same either way: zero from Capnix, and 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 knows your case, an honest read within one business day, and follow-through to disbursal.
Worth remembering

No fee. No cut.
No catch.
Just the right loan, and a team that earns only when you do.

The right loan,
at no cost to you.

Tell us what your business needs and we take it to the lenders
most likely to say yes. It costs you nothing, at any step.

Talk to our team