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.
The financial
brain.
Kapiital is the neural core for Indian lending — three software platforms (SquareNow, PaisaNow, GetItNow), a live Business Correspondent and lending operation, and a consulting practice for anyone running a finance company.
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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.
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.