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
Type in your GSTIN and Capnix reads your public business record in seconds - no forms to fill first, and no hard credit pull.
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.
Free for Your Business
Lenders pay the facilitation fee, so Capnix costs your business nothing and stays neutral between lenders throughout.
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
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
Financing to cover day-to-day operations, inventory, and receivables gaps as the business grows.
Term Loans
Structured funding for planned investment and expansion, repaid over an agreed term.
Business Line of Credit
Flexible, revolving access to funds the business can draw on as cash-flow needs change.
Invoice & Bill Discounting
Unlock cash tied up in unpaid invoices and bills, rather than waiting out the payment cycle.
Equipment Financing
Funding to acquire machinery and equipment without tying up the whole cost upfront.
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.
Lenders Pay, You Don't
Capnix is paid a facilitation fee by the lender, not by 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
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.
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.
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.
For Operations Teams
Less chasing lenders and re-sending paperwork - you get exactly the documents needed, and Capnix coordinates the applications for you.
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.
Trading & Distribution
Distributors and traders whose growth turns on inventory and receivables, matched to working-capital and discounting options.
Manufacturing
Manufacturers balancing raw-material cycles and equipment needs, matched to term loans and equipment financing.
Retail & E-commerce
Retail and online sellers scaling stock and fulfilment, matched to working capital and a flexible line of credit.
Professional Services
Services firms with project-based cash flow, matched to lines of credit and invoice discounting that smooth the gaps.
Healthcare & Clinics
Clinics and healthcare businesses investing in equipment and capacity, matched to equipment financing and term loans.
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
Bank statements are read through the RBI Account Aggregator framework, on your consent, rather than by sharing credentials.
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
Income-tax returns are accessed only with your consent, to round out the financial picture for lenders.
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
Capnix does not require your Aadhaar, biometrics, or banking passwords at any stage of the process.
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.
