Perception
Every application, repayment and field interaction becomes a signal — captured, structured and made meaningful the instant it happens, across web, WhatsApp, and agent app.
Transforming
institutional lending.
Kapiital enables financial institutions to scale faster, operate smarter and grow profitably — through technology, data intelligence and managed operations. AI-powered lending platforms, SMILE-MaaS managed services, and end-to-end business transformation for NBFCs, MFIs, co-operatives, Nidhi companies, PACS and fintech lenders.
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We build the connective tissue of Indian lending — platforms that sense, decide and learn in real time.
The premise
Most Indian lenders run on five vendors, an Excel sheet, and a WhatsApp group. Kapiital Systems wires every signal, decision and customer into one coherent intelligence — so a 2-person fintech NBFC and a 500-person co-operative bank can operate on the same stack.
The neural network Three layers.
Three layers.
One mind.
Like a brain, the system works in layers — perceiving signals, firing decisions, and strengthening with every interaction. Each layer is a product; together they form a single nervous system built for Indian regulation.
Decisioning
AI agents run your credit policy as a rule engine — KYC, underwriting, disbursal orchestration and bucket-1 collections at sub-200ms decisioning latency.
Adaptation
Outcomes loop back as memory. The audit trail tightens, the policy sharpens, and the system you launch is the weakest it will ever be.
The platforms
Built on the brain.
Three production-grade platforms, each a specialised region of the same intelligence.
01
SquareNow
AI lending OS for NBFCs
A complete loan management and origination system. AI agents handle onboarding, KYC, underwriting, disbursement, bucket-1 collections, audit and compliance. Built for NBFCs from 0 to 2,000 Cr AUM.
02PaisaNow
Agent-led digital lending
Mobile-first apps for DSAs, BCs, field officers, and lending startups. KYEHR-integrated. Multi-product from day one — loans, insurance, cards, mutual funds, BC engagements.
03GetItNow
B2B lender network
A network platform that connects NBFCs and banks with LSPs, DSA networks, and distribution partners. One integration, many counterparties. RBI DLG-compliant by design.
Beyond software Four ways
Four ways
we work with you.
The software is one track. Many lenders also engage us as a regulated BC partner, as a co-lender or borrower of last-mile capital, and as a consulting team to set up or scale the operation. Pick the track that fits.
Platforms
SquareNow (LMS + LOS), PaisaNow (agent app), GetItNow (lender network). One stack from origination through collections to compliance reporting.
BC and DSA operations
A live Business Correspondent and Direct Selling Agent network across India. Pre-empaneled with sponsor banks and NBFCs. Field-led customer sourcing, KYC, disbursement and servicing — running on PaisaNow.
Lending services
Own-book and co-lending operations under RBI's co-lending framework. Capital absorbed from banks and capital partners, deployed through our agent network. Personal, business, MSME, vehicle, education and gold.
Consulting
For anyone setting up or scaling a lending operation — NBFCs, MFIs, co-operatives, fintech lenders. Tech architecture, vendor selection, RBI DLG and SRO compliance posture, operations design, 4-6 week implementation programmes.
Advantage Kapiital Why leading institutions
Why leading institutions
choose Kapiital.
Six reasons our customers come back for the next product, the next track, the next engagement.
Technology + Operations
We do not just sell software. We run the operation that the software was built for. The tools and the teams are designed together.
AI-Powered Decision Intelligence
Delinquency prediction, collection prioritisation, fraud detection, early warning, productivity analytics. Operating models, not science projects.
Lending Domain Expertise
Most of the team has spent time inside NBFCs, MFIs, co-operatives and fintech lenders. We have lived the operating problem we are solving.
Faster Time-to-Value
4 to 6 weeks for SquareNow vanilla go-live. 12 to 16 weeks for a new NBFC set-up. Quarter-one outcomes, not multi-year programmes.
Scalable Architecture
Cloud-native, multi-tenant by default, single-tenant for enterprise. Built to scale from a 2-person fintech NBFC to a 500-person co-operative.
Enterprise Security
India-resident data, quarterly third-party penetration testing, encryption per customer, documented incident response. SOC 2 Type 2 and ISO 27001 in process for 2026.
Industries we serve
Built for the Indian lending stack.
- NBFCs
- MFIs
- Cooperative Banks
- Credit Societies
- Nidhi Companies
- PACS
- Fintechs
- Section 8 lenders
- Urban co-operative banks
- Sponsor banks
4-6wks
SquareNow standard go-live, from sign-off to first disbursement
<200ms
Median decisioning latency across the lending network
3
Specialised platforms running on one shared intelligence
0-2,000Cr
AUM band served — from 2-person NBFC to 500-person co-operative
Give your capital
a brain.
Let's wire your institution into a single, thinking system. Talk to the team building the neural core of Indian lending.