Credix offers an embedded B2B credit platform that lets merchants extend instant financing at checkout through API‑driven integration. The service automates underwriting to approve credit in under two minutes, transfers the credit risk to Credix, and provides real‑time dashboards so sellers can boost order values while protecting their margins.
Funding
$52.6M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
BPFounders
Product
Problem
Many B2B sellers struggle to offer flexible payment terms to their customers because traditional credit processes are slow, require extensive manual underwriting, and expose the seller to balance‑sheet risk, limiting order sizes and slowing growth.
Solution
Credix provides an embedded B2B credit platform that lets sellers extend financing directly at checkout. The service digitizes credit applications, using automated underwriting to deliver approvals within minutes. Sellers retain their margins because Credix assumes the credit risk, while customers gain purchasing power through flexible repayment options. The solution integrates via APIs or widgets, enabling a seamless checkout experience without additional hardware or manual processes. Real‑time analytics and 24/7 support help merchants monitor credit usage and manage customer relationships.
Target Audience
Credix targets B2B merchants and distributors that sell high‑value goods or services and want to offer instant, flexible credit to their business customers without assuming financial risk.
Features
- API‑driven embedded financing that can be added to existing e‑commerce or ERP systems
- Automated underwriting engine delivering approvals in under two minutes
- Credit risk transferred to Credix, preserving the seller’s balance‑sheet and margins
- Flexible repayment terms that increase average order value and customer lifetime value
- Real‑time dashboard for merchants to track credit limits, usage, and repayment performance
- 24/7 support and 99.9% system uptime ensuring continuous availability