Cred2Tech operates an AI‑driven marketplace that instantly matches Indian MSMEs and distribution agents with banks, NBFCs, and digital lenders based on financial data such as ITR, GST, bank statements, and credit bureau information.
Funding
Funding not disclosed
Founders
Product
Problem
MSMEs in India often struggle to discover suitable lenders and government credit schemes due to fragmented information, manual eligibility checks, and long discovery cycles, leading to high rejection rates and under‑utilisation of available financing.
Solution
Cred2Tech provides an AI‑driven marketplace that instantly matches MSMEs and distribution agents (DSAs) with banks, NBFCs, and digital lenders based on financial data such as ITR, GST, bank statements, and credit bureau information. The platform ingests data through secure, consent‑based APIs, runs a proprietary lender‑specific logic mapping engine, and returns a list of eligible loan offers with transparent amounts and interest rates within minutes. For DSAs, Cred2Tech offers an end‑to‑end operating system to manage sourcing, team commissions, and workflow across multiple lenders in a single dashboard, eliminating spreadsheets and manual tracking. All data remains encrypted and inaccessible to the platform team, ensuring privacy while delivering real‑time eligibility checks and full visibility into lender options.
Target Audience
Primary users are Indian MSMEs seeking quick, transparent loan options and DSA agents who source and manage credit for multiple borrowers across a network of lenders.
Features
- AI‑enabled matching algorithm that analyses tax returns, GST filings, bank statements, and bureau data to identify the most likely approving lender and optimal rate
- Secure, consent‑driven data ingestion via authorised APIs with industry‑standard encryption; platform staff have no access to raw financial details
- Real‑time eligibility checks delivering loan amount, interest rate, and lender availability before application submission
- Integrated DSA operating system for case management, team and wallet allocation, commission tracking, and multi‑lender workflow in a unified view
- Transparent rule‑based lender logic mapping engine that digitises complex credit policies for instant decisioning
- Dashboard and API access for lenders to receive pre‑qualified applications with standardized data formats