Helping Businesses Build Trust Through Smart Credit Intelligence
Empowering 85,000+ Indian MSMEs, manufacturers, and trade distributors to assess buyer solvency, detect payment defaults before dispatching goods, and recover overdue receivables through India's most reliable commercial trade registry.
Instant check: Over 2.4 Cr registered Indian companies & MSMEs.
Verified Data Sources & Security Standards:
Vardhman Industrial Forgings
India's Fastest Growing B2B Credit Community
Real-time numbers driving financial transparency and credit accountability for Indian industry.
Businesses Registered
Verified MSMEs, manufacturers, and trade distributors
Reports Generated
Real-time automated credit & commercial risk reports
Active B2B Users
Credit managers, CFOs, and business owners tracking buyers
Recovery Success Rate
Disputed & overdue invoices settled through CreditIQ network
Intelligent Risk Solutions for Every Stage of Trade
From pre-deal counterparty background checks to live default reporting and portfolio monitoring, safeguard your balance sheet with comprehensive credit intelligence.
Business Credit Reports
Comprehensive Commercial Health & Repayment Scores
Access instant, in-depth financial health and commercial credit scores powered by trade credit bureau data, GST compliance track records, and MCA filings.
Vendor Verification
Instant KYC, GSTIN & MSME Identity Authentication
Verify new and existing vendors in seconds using direct API links with GSTN, PAN, MCA Director identification, bank account penny drops, and MSME Udyam database.
Payment Default Reporting
B2B Defaulter Registry & Trade Pressure Channel
Report unpaid invoices and delayed payments to the national CreditIQ community. Establish credit accountability and expedite settlement before escalating to litigation.
Credit Monitoring & Alerts
24/7 Watchdog on Key Buyer & Supplier Risk Portfolios
Receive instant notifications when your registered buyers face tax defaults, director disqualifications, rating downgrades, or are reported for delayed payments.
Risk Analysis & Scoring
AI-Driven Exposure Calculation & Credit Limit Advisor
Benchmark buyer default probabilities before offering 30, 60, or 90-day credit terms. Receive automated recommendations on safe credit limits tailored to your cash flow.
Business & Market Insights
Macro Sector Trends & Supply Chain Intelligence
Gain competitive market intelligence across 40+ Indian industry segments. Compare working capital cycles, debtor days, and regional payment velocity trends.
Simple 4-Step Process to Transform Your Credit Workflow
Protecting your business against defaults takes only a few minutes. No complicated paperwork or bureaucratic bottlenecks.
Register & Verify Business
Fast Onboarding in Under 2 Minutes
Sign up with your official work email and authenticate your enterprise via GSTIN, PAN or Udyam number. Instant KYC ensures platform confidentiality.
Submit Business Details
Add Counterparties or Unpaid Invoices
Search any Indian entity by GSTIN, CIN or Company Name. Upload ledger balances, overdue receivables, or build a watchlist of key suppliers and buyers.
Generate Reports & Risk Scores
Instant Comprehensive Intelligence
CreditIQ aggregates statutory registries, banking health, litigation records, and peer trade repayment data into a clean, actionable score.
Improve Business Decisions
Protect Cash Flow & Accelerate Growth
Set safe credit terms, weed out risky vendors, monitor payment defaults proactively, and recover delayed receivables with automated trade notifications.
Ready to verify your first counterparty?
Get an instant preview of any Indian registered company in under 60 seconds.
Why Indian Industry Leaders Choose CreditIQ
Engineered specifically for the nuances of Indian commercial commerce, combining government databases, banking signals, and reciprocal MSME default records.
Secure Platform
Designed with banking-level encryption protocols, strictly adhering to DPDP Act 2023 regulations and Indian financial data safety guidelines.
Real-Time Insights
Continuous synchronization with live MCA updates, GST return status, and peer trade reports keeps your exposure assessments always accurate.
Fast Reports
Say goodbye to weeks of waiting for manual bureau reviews. CreditIQ delivers full institutional-grade credit dossiers in under 60 seconds.
Reliable Data
Multi-layered cross-verification combining government statutory registries, e-Courts, public balance sheets, and proprietary peer trade networks.
Business Transparency
Promoting ethical credit discipline across Indian MSMEs by rewarding timely payers with lower financing costs and exposing habitual defaulters.
Enterprise Security
Role-based access control, SOC2 Type II compliance, audit logs, and multi-factor authentication engineered for corporations and banks.
Customized Risk Intelligence for Your Specific Business Model
Whether you run a manufacturing plant, operate a wholesale FMCG distribution network, or underwrite MSME loans, CreditIQ provides targeted defense against bad debts.
Empowering MSMEs & Small Enterprises
Safeguard your hard-earned working capital. Assess buyer credibility before extending unsecured credit and recover overdue trade receivables with formal trade alerts.
Achieved by businesses in this category within 90 days of deploying CreditIQ's automated credit scoring and trade default notifications.
Trusted by CFOs & Founders Across Indian Industry
Read how Indian manufacturers, wholesalers, and MSME leaders protect their cash flows and eliminate default risks with CreditIQ.
“CreditIQ transformed how we extend credit to plastic fabricators. We used to lose ₹20-30 lakhs every fiscal year to default buyers. With their pre-dispatch credit report and default reporting network, our receivables collection cycle reduced from 82 days to 38 days.”
Rajeshwar Singhal
Managing Director
Apex Polymers & Chemical Industries, Surat
“The vendor verification and real-time monitoring feature is unmatched. When one of our major tier-2 suppliers started defaulting on GST returns, CreditIQ alerted us immediately, allowing us to hedge our supply chain before our factory halted.”
Sunita Deshmukh
Chief Financial Officer
Vardhman Auto Components Ltd, Pune
“We had an overdue payment of ₹64 lakhs pending with a commercial contractor for 9 months. After reporting the default on CreditIQ's trade platform, the debtor cleared the full amount within 18 days to avoid credit downgrading across the steel industry.”
Harishankar Patel
Partner & Head of Finance
Patel Steel & Infrastructure Corp, Ahmedabad
Are you facing an overdue or disputed commercial invoice?
Our formal payment default notice mechanism resolves over 94% of cases prior to court litigation.
Frequently Asked Questions
Everything you need to know about our business credit scoring, vendor verification, and payment default resolution platform.
A business credit report is an objective evaluation of a commercial enterprise's creditworthiness, financial discipline, and repayment history. Unlike individual consumer credit scores, a business credit report incorporates GST return compliance, MCA filing records, trade creditor repayment habits, active bank loans, charges registered, and pending commercial litigations in Indian courts.
Make Better Business Decisions With Reliable Credit Intelligence
Join 85,000+ Indian businesses proactively safeguarding their balance sheets. Check buyer creditworthiness, track overdue receivables, and eliminate default risks today.