The current software market is witnessing an intensified trend of product homogenization, where functional innovation has become a decisive factor in maintaining competitive advantage. This shift has transformed the paradigm of modern requirements engineering from passive requirements extraction to proactive creative requirements capture. Existing approaches to enhancing requirements creativity primarily follow two paths: (1) fostering collaborative innovation in workshops through scenario modeling and facilitation methods, and (2) rapidly generating novel solutions by deconstructing and recombining existing requirements based on combinatorial innovation theory. However, both methods face a core challenge in balancing innovation quality with participation costs. The breakthrough advancements in generative AI technologies offer new opportunities to address this dilemma. This study proposes a business modeling-driven human-AI multi-agent collaborative framework with TRIZ infusion for creative requirements capture (BMHACT). The framework adopts the unified process business modeling collaborative architecture to design prompt-based definitions for five agent roles: business process analyst, business designer, and other relevant roles. The multi-agent team collaboratively generates creative requirements through a structured workflow: system vision collection→process pain point identification→technical contradiction analysis→TRIZ innovation principle matching→requirement solution generation. Domain experts and client representatives then evaluate the requirements for creativity. An empirical study on a portal system for a small-scale mechanical manufacturing enterprise demonstrates that, compared to the requirement reuse-based method and the adversarial-sample-based retrospective requirement generation method, BMHACT reduces iteration cycles by 50% and 28.6%, shortens total process duration by 66.7% and 33.3%, increases the clarity novelty usefulness (CNU) by 22.9% and 10.7%, and achieves a 2.16× and 2.14× higher per-round CNU improvement rate. These results validate BMHACT’s superiority in enhancing requirements innovation quality while reducing collaboration costs.