KredX runs a regulated, technology‑driven marketplace where businesses can sell approved invoices to investors for immediate working‑capital. The platform digitizes invoice onboarding, uses automated credit underwriting and AI‑powered collections, and facilitates escrow‑based fund transfers, offering zero‑liability financing that stays off the seller’s balance sheet while giving investors short‑term, high‑yield exposure to discounted invoices.
Funding
$26M 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.
1OTGFounders
Product
Problem
Many MSMEs and businesses that supply large blue‑chip companies face cash‑flow constraints because payments for delivered goods and services are tied up in unpaid invoices, and traditional financing options are slow, paperwork‑heavy, and often require collateral or equity dilution.
Solution
KredX operates a regulated, technology‑driven marketplace that lets businesses sell their approved invoices to a network of investors in exchange for immediate working‑capital funding. The platform supports both domestic factoring through an RBI‑licensed TReDS system and cross‑border trade financing via an IFSCA‑licensed ITFS framework. By digitizing invoice onboarding, applying automated credit underwriting and data analytics, and facilitating escrow‑based fund transfers, KredX provides fast, zero‑liability financing that does not appear on the seller’s balance sheet. Investors gain access to a new short‑term asset class with tenures up to 90 days, earning returns on discounted invoices. The ecosystem also includes cash‑management and collections modules that automate reminders, dispute handling, and AI‑driven prioritization to further improve cash‑flow efficiency.
Target Audience
Primary customers are MSMEs and larger suppliers that need working‑capital against invoices from creditworthy buyers, as well as institutional and accredited investors seeking short‑term, high‑yield financing opportunities.
Features
- RBI‑licensed TReDS platform for domestic invoice discounting and IFSCA‑licensed ITFS platform for import‑export financing
- End‑to‑end digital onboarding of invoices with automated credit underwriting and real‑time analytics
- Escrow accounts for secure fund transfers, ensuring investor protection and zero liability for sellers
- AI‑powered collections module with automated reminders, dunning workflows, and dispute management
- Gamified target setting and leaderboards to boost collections team performance
- API integrations for cash‑management solutions and seamless data flow with ERP/EHR systems
- Short‑term investment tenures (up to 90 days) with transparent pricing and TDS compliance support