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MSME Business Loans, Facilitated End-to-End

Capnix is Webority's MSME business-loan platform for growing, Udyam-registered businesses across India. It reads your real financials with AI-assisted analysis and no hard credit pull, matches you to suitable lenders across PSU banks, NBFCs, and private banks, and helps run the process from analysis through to disbursal. Capnix stays lender-neutral, and because lenders pay the facilitation fee, it is zero cost to your business.

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Part of the Webority Product Suite

What Is Capnix

Capnix is a business-loan facilitation platform for MSMEs, not a lender. It reads how a business actually earns and repays, finds the lenders that fit, and coordinates the process end to end, alongside our other Webority products such as Lumex and BuildStudio. Three ideas sit at its core.

AI-assisted financial analysis
AI-Assisted Analysis

Reads cash flow, GST, and bank data with your consent to build a lender-ready view, without a hard credit pull.

Sector-specific lender matching
Sector-Fit Lender Matching

Matches your business to suitable lenders across PSU banks, NBFCs, and private banks, based on how your sector borrows.

Zero cost to the business
Zero Cost to Your Business

Lenders pay the facilitation fee, so Capnix is free for the MSME and stays lender-neutral throughout.

Capnix helping growing MSMEs navigate business loan options

Why Growing MSMEs Need Smarter Loan Facilitation

A growing business rarely has time to approach lender after lender, re-explain its numbers each time, and guess which product actually fits. The result is stalled applications and working capital that arrives late, if at all. Capnix carries that load, so owners can stay focused on running the business.

Because Capnix is a custom-built lending platform rather than a lead marketplace, it reads real financials once and coordinates the whole conversation with lenders. It runs on a cloud-native architecture, so the same secure process serves a single owner or a growing group of businesses.

How Capnix Works

Four coordinated steps take a business from its own financials to a matched lender, with your consent at every stage.

  • 01 Financial Analysis
  • 02 Lender Matching
  • 03 Applications
  • 04 Disbursal Support

Financial Analysis

With your consent, Capnix reads GST returns such as GSTR-1 and GSTR-3B, bank statements through the RBI Account Aggregator framework, income-tax returns, and public MCA and CIN records, to build a lender-ready view of the business, without a hard credit pull.

Capnix AI-assisted financial analysis

Lender Matching

Capnix matches the business to suitable lenders across PSU banks, NBFCs, and private banks, based on the sector and the financial picture, and stays lender-neutral rather than favouring any single lender.

Capnix sector-fit lender matching

Applications

Capnix helps prepare and coordinate the applications to the shortlisted lenders, so the business does not have to chase each one separately or repeat the same paperwork.

Capnix coordinated loan applications

Disbursal Support

Capnix supports the conversation on terms and coordinates through to disbursal, staying with the business as the process moves forward rather than dropping it after an introduction.

Capnix disbursal support

Not sure which lenders fit your business?

Talk to our team and we'll walk you through how Capnix reads your financials and matches lenders.

Loan Products Capnix Facilitates

Capnix helps MSMEs reach the financing that fits the need, from day-to-day working capital to equipment and growth funding. The right product depends on the business.

Working capital loans

Working Capital Loans

Financing to cover day-to-day operations, inventory, and receivables gaps as the business grows.

Term loans

Term Loans

Structured funding for planned investment and expansion, repaid over an agreed term.

Business line of credit

Business Line of Credit

Flexible, revolving access to funds the business can draw on as cash-flow needs change.

Invoice and bill discounting

Invoice & Bill Discounting

Unlock cash tied up in unpaid invoices and bills, rather than waiting out the payment cycle.

Equipment financing

Equipment Financing

Funding to acquire machinery and equipment without tying up the whole cost upfront.

MSME and Udyam loans

MSME & Udyam Loans

Loans oriented to Udyam-registered MSMEs, matched to how small and growing businesses borrow.

Zero Cost to Your Business

Capnix earns from the lender, not from the MSME, which keeps the incentives aligned with finding the business the right fit.

Lender-paid facilitation fee
Lender-Paid Facilitation Fee

Capnix is paid a facilitation fee by the lender, not by your business.

No cost to the MSME
No Cost to the MSME

There is no charge to the business for the help Capnix provides through the process.

Lender-neutral matching
Lender-Neutral

No lender owns Capnix and none gets preference; matching is based on fit, not on who pays more.

What Capnix Changes for Each Role

Smarter loan facilitation is an operational advantage, not just a financing shortcut. It changes how four groups work, and supports the wider digital transformation of how MSMEs raise and manage capital.

01
For MSME Owners

One conversation instead of many, so you can keep running the business while the financing is worked out.

02
For Finance Heads

A lender-ready view built from real GST and bank data, with consent, and no hard credit pull while options are explored.

03
For Operations Teams

Less back-and-forth chasing lenders and re-sending paperwork, because Capnix coordinates the applications for you.

04
For Growth-Stage Founders

A lender-neutral partner that helps match the right product as funding needs change from one stage to the next.

Industries We Serve

How a business borrows depends on its sector. Capnix understands the working-capital and growth needs of the industries where MSMEs grow fastest.

Capnix MSME loan facilitation across industries
01

Trading & Distribution

Distributors and traders whose growth turns on inventory and receivables, matched to working-capital and discounting options.

02

Manufacturing

Manufacturers balancing raw-material cycles and equipment needs, matched to term loans and equipment financing.

03

Retail & E-commerce

Retail and online sellers scaling stock and fulfilment, matched to working capital and a flexible line of credit.

04

Professional Services

Services firms with project-based cash flow, matched to lines of credit and invoice discounting that smooth the gaps.

05

Healthcare & Clinics

Clinics and healthcare businesses investing in equipment and capacity, matched to equipment financing and term loans.

06

Hospitality & F&B

Hospitality and food businesses with seasonal demand, matched to working capital and equipment financing for fit-outs and kit.

Frequently Asked Questions

Capnix is Webority's MSME business-loan platform. It reads a growing business's real financials with AI-assisted analysis, without a hard credit pull, matches the business to suitable lenders across PSU banks, NBFCs, and private banks, and helps run the process from analysis through to disbursal. Capnix stays lender-neutral throughout.

Capnix helps MSMEs access working capital loans, term loans, a business line of credit, invoice and bill discounting, equipment financing, and MSME and Udyam loans. The right product depends on the business, and Capnix helps match it rather than pushing any single option.

No. During matching, Capnix works from consent-based financial data rather than a hard credit pull, so exploring options does not affect your credit profile.

No Aadhaar, no biometrics, and no banking passwords are required. With your consent, Capnix reads GST returns such as GSTR-1 and GSTR-3B, bank statements through the RBI Account Aggregator framework, income-tax returns, and public MCA and CIN records, and nothing is accessed without consent.

Capnix is paid a facilitation fee by the lender, not by your business, so there is zero cost to the MSME for the help Capnix provides through the process. Because no lender owns Capnix, matching stays lender-neutral.

Capnix is built for growing, Udyam-registered MSMEs across sectors such as trading, manufacturing, retail, professional services, healthcare, and hospitality. Share your details in the form on this page and our team can walk you through how Capnix works. We respond within 24 hours.

Data & Privacy, on Your Consent

Capnix reads only what it needs to build a lender-ready view, always with consent, backed by our data protection and secure consent handling expertise.

RBI Account Aggregator
RBI Account Aggregator

Bank statements are read through the RBI Account Aggregator framework, on your consent, rather than by sharing credentials.

GST returns GSTR-1 and GSTR-3B
GST Returns (GSTR-1 / GSTR-3B)

GST returns such as GSTR-1 and GSTR-3B are read with consent to understand real turnover and tax compliance.

Consent-based ITR
Consent-Based ITR

Income-tax returns are accessed only with your consent, to round out the financial picture for lenders.

MCA and CIN public records
MCA & CIN Records

Public MCA and CIN records confirm the legal form and standing of the business, using information already on the public registry.

No Aadhaar or biometrics
No Aadhaar or Biometrics

Capnix does not require your Aadhaar, biometrics, or banking passwords at any stage of the process.

No hard credit pull
No Hard Credit Pull

Matching works from consent-based data, so exploring options with Capnix does not trigger a hard pull on your credit.

Explore Related Services & Products

Capnix is part of Webority's wider engineering and product suite. Explore the services and products most relevant to your roadmap.

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