Building India's Most Reliable B2B Trust Network
Eliminating delayed payments, bad debts, and commercial opacity for 63 million MSMEs and growing Indian enterprises.
In India, over 63 million MSMEs form the backbone of the economy, yet billions of rupees remain locked in delayed payments and bad debts. Traditional consumer credit bureaus overlook the complex realities of inter-business trade, leaving honest manufacturers, distributors, and suppliers vulnerable to chronic payment defaults.
Founded in 2021 by seasoned financial technologists and commercial risk veterans in Gurugram, CreditIQ was built to fill this void. We set out to create India's first unified B2B credit intelligence network — combining government registries, statutory GST filings, and reciprocal trade payment reporting.
Today, CreditIQ empowers over 85,000 businesses across India to evaluate counterparty risk in real-time, maintain working capital liquidity, and enforce fair payment discipline across supply chains.
Our Mission
To eliminate bad debt risks and unlock working capital for Indian enterprises through transparent, accessible, and automated commercial credit intelligence.
Our Vision
To become the default trust infrastructure for Indian commerce, where every trade relationship is founded on transparency, timely settlement, and mutual financial resilience.
The Core Values That Drive Our Decisions
We operate at the critical intersection of trade trust, financial regulations, and MSME livelihood.
Data Integrity & Truth
We strictly rely on authentic statutory registries, audited balance sheets, and verifiable payment documentation. No assumptions, no hearsay.
MSME-First Advocacy
We empower small and medium enterprises with the same sophisticated credit intelligence previously reserved only for multi-national banks.
Fairness & Neutrality
Our platform provides balanced, two-sided dispute resolution windows so honest trade disputes are never weaponized unfairly.
Relentless Innovation
From AI-driven default prediction to instantaneous GST/MCA reconciliation, we harness cutting-edge technology to solve deep financial friction.
Security & Privacy
We handle sensitive business financials with bank-grade 256-bit encryption and complete adherence to Indian data sovereignty laws.
Collective Prosperity
A business community that settles invoices on time is a community that grows together. We believe trust creates exponential economic value.
Guided by Pioneers in Credit Risk & FinTech
Our leadership team brings decades of combined executive experience across commercial banks, NBFC credit committees, and legal chambers.
Arunav Sengupta
Founder & Chief Executive Officer
Former Head of Commercial Risk at leading Indian NBFC. 18+ years experience in corporate debt underwriting and trade finance.
Dr. Priyamvada Joshi
Co-Founder & Chief Technology Officer
Ex-Engineering Director at high-scale fintechs, IIT Delhi alumna with deep expertise in financial knowledge graphs and secure API architectures.
Naveen Raghavan
Chief Data & Risk Officer
20+ years leading institutional credit modeling, forensic accounting, and statutory MCA analytics for marquee credit rating agencies.
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
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.