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Business Loans, Without the Guesswork

Capnix helps any Indian business with a valid GSTIN get the right loan from the right lender - starting from just your GST number. It reads what's already on record, tells you exactly which documents you need, connects you to lenders who fund businesses like yours, and guides you all the way to disbursal. Free for your business, with no hard credit pull.

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What Is Capnix

Capnix is a business-loan facilitation platform for Indian businesses, not a lender. Start with your GST number and it reads your public business record, tells you exactly which documents you need, and connects you to lenders who fund businesses like yours - free for your business, alongside our other Webority products such as Lumex and BuildStudio. Three ideas sit at its core.

Starts with your GST number
Starts With Your GST Number

Type in your GSTIN and Capnix reads your public business record in seconds - no forms to fill first, and no hard credit pull.

Matched to the right lenders
The Right Lenders, Not Everyone

Connects you to lenders across PSU banks, private banks, and NBFCs who actively fund businesses in your sector and size - so you apply where you have a real chance.

Zero cost to the business
Free for Your Business

Lenders pay the facilitation fee, so Capnix costs your business nothing and stays neutral between lenders throughout.

Capnix helping Indian businesses navigate business loan options

Getting a Business Loan Shouldn't Be a Guessing Game

Getting a business loan in India is confusing. Every lender asks for a different pile of documents, most owners don't know which scheme they qualify for, and a rejected application can quietly hurt your credit. Capnix takes the guesswork out - and stays with you through the whole process, so owners can keep running the business.

Because Capnix is a custom-built lending platform rather than a lead marketplace, it reads what's already on record once and tells you exactly what you need. 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 steps take you from your GST number to funds in your account, with your consent at every stage.

  • 01 Find Your Business
  • 02 Build Your Profile
  • 03 Ready Your File
  • 04 Track to Disbursal

Find Your Business

Enter your GSTIN (or PAN if you're not GST-registered yet) and Capnix pulls your business record instantly - registration date, filing history, business type, sector, and Udyam status. No forms to fill first, and no hard credit pull. You see a clear summary of your business before you sign up for anything.

Capnix reading your business record from your GST number

Build Your Profile

Answer about four quick questions - how much you need, what it's for, and a few details about your business. Most answers are already filled in from your GST record, so you just confirm. Government schemes you may qualify for show up automatically. It takes about eight minutes.

Capnix sector-fit lender matching

Ready Your File

Get your exact document list - precisely what your business needs for this loan, with what's already on record ticked off for you and what doesn't apply clearly marked. Invite your CA or finance team to help, so you don't do it alone.

Capnix coordinated loan applications

Track It to Disbursal

Get matched to suitable lenders, then follow your application on the Capnix dashboard - where it stands, what the lender needs next, and what to do about it. We guide you and keep you posted at every stage, from applying to the funds reaching your account.

Capnix disbursal support

Not sure where to start?

Talk to our team and we'll walk you through how Capnix reads your GST record and guides you to the right lender.

Loan Products Capnix Facilitates

Capnix helps you reach the financing that actually fits, from day-to-day working capital to equipment and growth funding. The right product depends on your business - and we help you find it, not sell you one.

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 Schemes

Government MSME and Udyam-linked schemes, matched to businesses that qualify for them.

Free for Your Business

Lenders pay the facilitation fee, so Capnix costs the business nothing - and stays neutral between lenders. We're on your side, not any one bank's.

Lender-paid facilitation fee
Lenders Pay, You Don't

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

No cost to your business
Nothing to Pay

There is no charge to your business for the help Capnix provides, from your GST number all the way to disbursal.

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

Taking the guesswork out of borrowing is an operational advantage, not just a financing shortcut. It changes how four groups work, and supports the wider digital transformation of how Indian businesses raise and manage capital.

01
For Business Owners

Start from your GST number, get an exact document list, and one clear place to see where your loan stands - so you can keep running the business.

02
For Finance Heads

A lender-ready view built from what's already on record, with your consent and no hard credit pull while options are explored.

03
For Operations Teams

Less chasing lenders and re-sending paperwork - you get exactly the documents needed, and Capnix coordinates the applications for you.

04
For Growth-Stage Founders

A lender-neutral partner, free to your business, 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 works with Indian businesses across trading, manufacturing, retail, e-commerce, professional services, healthcare, and hospitality - whether you've borrowed before or you're applying for the first time.

Capnix business 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 business-loan platform for any Indian business with a valid GSTIN. Starting from just your GST number, it reads what's already on record, tells you exactly which documents you need, matches you to suitable lenders across PSU banks, private banks, and NBFCs, and guides you all the way to disbursal - without a hard credit pull, and free for your business. Capnix stays lender-neutral throughout.

Capnix helps businesses access working capital loans, term loans, a business line of credit, invoice and bill discounting, equipment financing, and government MSME and Udyam schemes. The right product depends on your 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 your business for the help Capnix provides through the process. Because no lender owns Capnix, matching stays lender-neutral.

Capnix is built for any Indian business with a valid GSTIN - from first-time borrowers to established companies - 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 is read-only. It reads only what it needs to build a lender-ready view, always with your consent, and cannot file, change, or access anything in your GST account - 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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