Skip to main content
Kapiital Systems logo

Services

Software is one track. Here is the rest.

Beyond SquareNow, PaisaNow and GetItNow, Kapiital operates as a regulated Business Correspondent, runs own-book and co-lending operations, and acts as a consulting team for anyone setting up or scaling a finance company in India.

BC operations Lending services Consulting

Business Correspondent operations

A live BC network across India.

Pre-empaneled with sponsor banks and NBFCs. PaisaNow is the field-officer app behind the operation. Field-led customer sourcing, KYC, disbursement and servicing across India.

  • Sponsor-bank empanelment

    Pre-empaneled with leading public-sector and private banks. Sponsor agreements, indemnity, and reporting standards already in place — reduces your time to live by 8-12 weeks.

  • Field operations

    Agents across India sourcing customers, completing KYC and on-boarding, handing over to the disbursement layer. Productivity tracked via KYEHR.

  • Compliance posture

    RBI Master Direction on Business Correspondents, fair-practice code, grievance redressal, AML and KYC obligations — handled.

  • Settlement and reporting

    Sponsor reporting in the required format, commercial settlement automated, audit trail maintained for inspections.

Talk to us about a BC engagement →

Lending services

Own-book, co-lending, and capital partnerships.

Underwritten on our own credit policy, sourced through our agent network, settled and reported under RBI's co-lending framework where applicable. Personal, business, MSME, vehicle, education and gold loans.

  • Own-book lending

    Personal, business, vehicle, MSME and gold loans sourced through our agent network. Underwritten on our own credit policy, disbursed off our own balance sheet.

  • Co-lending arrangements

    Co-lending partnerships under the RBI co-lending framework with partner NBFCs and banks — typically 80-20 or 70-30 arrangements depending on the asset class.

  • Capital absorption

    We borrow from banks and capital partners against the book and lend it out through our agent network. Standard term-loan, NCD and bank-line arrangements.

  • Multi-product

    Personal, business, MSME, vehicle, education, gold. Insurance distribution via IRDAI POSP. Cards and mutual funds where the customer fit is right.

Talk to us about a capital partnership or co-lending arrangement →

Consulting

For anyone running, or starting, a finance company.

Vendor-neutral advisory. Six tracks, all of them grounded in operator experience inside NBFCs, MFIs and co-operatives. We will tell you when not to buy our software.

  1. 01

    Setting up a lending operation

    For founders launching a new NBFC, MFI, Section 8 lender or fintech lender. End-to-end: regulatory licensing path, capital strategy, product design, tech stack, ops design, hiring plan, go-live runbook.

  2. 02

    Scaling past 100 Cr AUM

    For institutions outgrowing their existing operating model. Process audit, tech-debt assessment, vendor selection, organisational design, control framework, compliance gap analysis.

  3. 03

    Compliance posture

    RBI DLG, SRO regime, scale-based regulation, NBFC-MFI specific obligations, Section 8 overlay. Documentation, evidence collection, mock inspections, remediation programmes.

  4. 04

    Tech architecture

    Vendor-agnostic advisory on core banking, LMS / LOS, KYC vendors, payment partners, bureau integration. We will tell you when not to buy SquareNow.

  5. 05

    Migration programmes

    Moving an existing book from one LMS / core to another — including from FinnOne Neo, Cloudbankin, M2P, or in-house builds. Data migration, cut-over, parallel run, sign-off.

  6. 06

    Embedded operations

    For early-stage NBFCs without a full ops team, we can run the operation for the first 6-12 months alongside our consulting engagement, then transition to your hire.

Consulting FAQ

Do you consult for lenders who would be SquareNow customers?

Yes. Consulting is vendor-neutral. If SquareNow is the right stack for you we will say so; if FinnOne / Cloudbankin / building in-house is the right call for your specific situation we will say so. We are direct about the trade-offs.

Do you take equity instead of fees?

For founder-stage NBFCs we occasionally do hybrid arrangements (reduced cash + small equity). Standard engagements are fixed-fee or T&M.

How long is a typical engagement?

4-6 weeks for compliance posture or vendor selection. 12-16 weeks for set-up of a new lending operation. 6-12 months for embedded operations.

Send us a two-paragraph brief →

4-6 wks

SquareNow go-live for software customers

12-16 wks

New NBFC set-up consulting engagement

3

Loan types we lend across — personal, business, MSME, vehicle, gold and more

4

Tracks we engage on — software, BC, lending, consulting

Not sure which track fits?

Tell us about your operation in two paragraphs. We will tell you which combination of software, services or consulting makes sense — or recommend you go elsewhere.

Get in touch