Anchors can increase their average sales by up to 40% per customer, double their overall sales with a flexible credit period for buyers, save merchant discount rate, improve cart conversion by 30% and have quick API integration. KredX is India’s one of the firsts to provide instant credit in the B2B marketplace with exceptional TAT.
What Is
KredX Global Trade?

You can now unlock capital tied-up in international receivables and give a boost to your cash flow requirements. KredX Global Trade offers post-shipment financing to businesses, solving their working capital problem as well as empowering them to follow the path of growth and make a mark in the international market. Start your journey with KredX today and get collateral free capital, now!


KredX
Makes It Possible

Collateral Free
Get working capital without any collaterals

Lowest Cost
Get a competitive edge through lowest interest rates

No Upper Limit
Boost your growth with no upper limit on the sanctioned amount

Insurance Backed
Minimise risk and spread your wings with our insurance backed solution

Dedicated Customer Support
Helping you throughout your journey is our dedicated support team

Customised Solutions
Get solutions tailor-made for your requirements
Helping Business Owners Since 2015
1 Million
Invoices Discounted
$6 Billion
Transaction Value
Processed
1.5 Million
Transactions Processed
Till Date
23,000+
Businesses Helped
70,000+
New & Returning Investors
300+
Corporates On KredX Platform

How Does KredX Export Financing Work?
1
Easy Sign Up
To get started, fill out the form and smoothly move on to the next step
2
Quick Onboarding
Digital process that provides smooth and hassle-free on-boarding after understanding your financial requirements
3
Document Submission
Submit all the required documents at the click of a button which will be reviewed and assessed by the KredX team
4
Funds Disbursement
Upon successful assessment, the funds will be disbursed to your business account withing 24-48 hours

Ready To Grow Your Business?
Register Now
KredX in News
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KredX to disburse Rs 1000 crore in credit through its revenue-based financing (RBF) product
Manish Kumar shares KredX growth strategy during a talk show on ET NOW
Industries
We Serve
Whatever be your industry, we have you financially covered
Current Scenario
With the emergence of startups, coworking spaces are high on demand, owing to the culture and facilities provided.
Challenge
Being a high-impact industry, manufacturing businesses often have quick fund requirements to take on new orders, provide services, or fulfil existing orders.
Solution
KredX's invoice discounting platform allows manufacturing businesses to raise quick working capital against their unpaid invoices.
Impact
Business gets benefited with quick access to funds, thereby enabling growth.
Current Scenario
Logistics industry plays a key role in the financial growth of India and is forecasted to grow at a CAGR of 10.5% between 2019-2025. Logistics is not just limited to manufacturing set up; it plays a significant part across industries and sectors like retail, financial services, etc.
Challenge
Being a high-growth sector, managing day-to-day operations and clearing unpaid invoices can be challenging for logistics businesses, resulting in the need for quick access to working capital.
Solution
KredX's invoice discounting platform enables logistics businesses by unlocking money tied up in unpaid invoices
Impact
Business gets benefited with quick access to working capital, thereby enabling business growth and efficient supply chain management.
Current Scenario
India has witnessed a massive growth in the market for the retail and e-commerce sector and is predicted to grow from $125 billion as of April 2017 to $250 billion by 2020.
Challenge
As an industry with high growth potential, e-commerce businesses often find it challenging to manage the daily operations and clear unpaid invoices, resulting in the need for working capital.
Solution
KredX's invoice discounting platform facilitates e-commerce businesses by providing quick working capital by utilising their unpaid invoices
Impact
Business gets quick access to working capital, thereby allowing growth, expansion, and timely fulfilment of orders and services.
Current Scenario
The contribution of the fast-moving consumer goods (FMCG) sector is quite significant in the Indian economy, estimating for 43% of the overall market. The shift in consumer demand has contributed to the massive expansion of the industry.
Challenge
The FMCG industry involves substantial additional costs like packaging, transportation, storage, etc., leading to a quick need for additional working capital.
Solution
KredX's invoice discounting platform helps FMCG businesses by enabling them to use their unpaid invoices to get quick working capital.
Impact
Business gains from quick access to funds, thereby fuelling business growth and optimising the supply chain.
Current Scenario
The Indian chemical industry is poised to benefit from the near-term opportunities and has witnessed a growth of 13-14% over the last five years.
Challenge
As a high-growth sector, businesses operating in the chemical industry often require financing for constant production lines and meet the order requirement.
Solution
KredX's invoice discounting platform helps Chemical businesses by providing timely access to working capital by using their unpaid invoices as a pseudo-collateral.
Impact
Business profits from immediate access to working capital, thereby enabling business growth and expansion.
Current Scenario
The pharmaceutical sector is one of the flourishing industries in India, growing at a compounded annual growth rate (CAGR) of more than 15% in the last 5 years.
Challenge
Being a growing industry, businesses often require financing for consistent production lines to meet the continuous demand of the pharma industry.
Solution
KredX's invoice discounting platform helps Pharma businesses utilise their unpaid invoices to get immediate access to working capital.
Impact
Businesses get timely access to funds, thereby aiding in maintaining daily operations and growth.
Current Scenario
The essential goods industry is positioned to accelerate growth in the upcoming quarters due to the pandemic outbreak and the consequent changing consumer behaviour.
Challenge
As a high-growth potential sector, businesses often find it challenging to manage transportation, supply chain, staffing and operational costs.
Solution
KredX's invoice discounting platform assists businesses operating in the essential goods industry to utilise their unpaid invoices to get instant access to working capital.
Impact
Quick access to working capital helps in business growth and expansion.
Current Scenario
The printing and packaging industry in India was valued at $50.5 billion in 2019 and is predicted to reach $204.81 billion by 2025, recording a CAGR of 26.7% during 2020-2025.
Challenge
Vendors require financing for consistent production lines and procure new machinery with advanced technology to meet the continuous demand of the printing & packaging industry.
Solution
KredX's invoice discounting platform helps businesses operating in the printing and packaging industry to gain access to working capital by using their unpaid invoices as a pseudo-collateral.
Impact
Quick access to working capital helps in business growth and expansion.
Current Scenario
From concrete godowns to the modern, technologically advanced stockroom equipped with real-time tracking methodology, the warehousing industry has come a long way. Today, enterprises need continuous storage of inventory as the demand is too high, and hence, they rely on warehousing.
Challenge
Being a high-growth industry, warehousing businesses often require timely access to working capital to maintain their business operations.
Solution
KredX's invoice discounting platform enables warehousing businesses to get quick access to working capital by using their unpaid invoices.
Impact
Business gets access to working capital, thereby enabling expansion and growth.

FAQs
You can follow the following steps to get onboarded:
1) Fill out the form and sign up an agreement to get started
2) Our Relation Manager will reach out to you
3) You can opt for a customised solution as per your requirement
4) Post the integration BNPL appears as a payment mode at Checkout
5) Receive outstanding payment in under 2 minutes
A) What is BNPL & How does it work?
The Buy Now Pay Later solution is a closed-loop digital Supply Chain Financing solution leveraging cutting edge technology to offer working capital finance to Dealers / Distributors / Stockists / Retailers of any brands or products. It helps brands & enterprises get instant payment against products sold, while their business buyers get immediate financing, based on their credit profile, to purchase products on credit with a flexible repayment window.
B) What is the BNPL program limit?
The BNPL program limit is broadly two types. One, the buyer limit where it is based on per buyer sanction limit, and two, the maximum limit provided, which can be distributed across multiple buyers.
C) What do you mean by Vintage with an anchor? and what is the minimum acceptable vintage for KredX BNPL?
Vintage with an anchor is defined based on how long the relationship is with each other. Where mostly the minimum acceptable vintage depends on case-to-case basis, we can consider customers being attached from 3 month, 6 months, or even new to the platform as well.
D) What is the minimum CIBIL acceptable under KredX BNPL?
Buyers with CIBIL Score above 650 & New-to-Credit can avail BNPL on the KredX platform.
E) What is NTC or New to Credit User? How much credit facility can an NTC buyer avail of from KredX?
New-to-credit user is referred to someone who has not opted for any kind of loans in the past. The credit facility for a new-to-credit user depends on case-to-case.
F) How do you calculate the sanction limits?
A sanction limit is mostly decided based on the amount of sales/purchases the buyer has done with the anchor minus the current repayment liabilities that exist. Besides, there are multiple factors that can decide the amount of risk.
G) How does the transaction happen under BNPL? How does the buyer show the same in their audit files?
The buyer shows the transaction as loan payable to the banks or NBFCs.
H) How can a buyer repay the loan? What are the various options available?
Besides credit cards, Buyers have the flexibility to repay the amount loaned via UPI, Virtual Account, and Payment Links which all are unique to each buyer.
I) What is the benefit for a buyer if they do the repayment within the due date or before the due date?
We do not charge any prepayment fees and help buyers repay the utilised amount only for the utilised day.
- Repayment option 1 (before the due date) - In case the dealer/distributor pays before the due date. For example, the interest for 30 days on INR 10,000 is 1,000; the dealer/distributor pays 11,000 on the 15th day, i.e. 15 days before the actual due date. The additional 500 interest would be adjusted in the repayments, and the user can pay 500 less.
- Repayment option 2 (on due date) - In case the dealer/distributor pays on the due date- In this scenario, the dealer/distributor gets no additional benefit as the interest was calculated as per the duration only and they get the revolving credit limit opened for their next transactions.
- Repayment Option 3 (Post due date) - In this scenario, the dealer/distributor will be charged interest plus a penalty on the transaction amount. Post due date mandate will be executed for auto pull.
J) What is delayed interest (penal interest) and How is it calculated? For how long?
Delayed interest/penal interest is referred to as the additional interest when there is a delay or no repayment on the due date. At KredX, we charge a penal interest of 2% on the no of days delayed which is post the due date on the existing interest rate on a pro rata basis. This process continues until KredX recovers the amount back. Example.
K) What are the charges involved for Anchors and their Buyers?
Unlike other fintech institutions, at KredX there are no charges involved for anchors and buyers besides interest rates. Incase of online integration, there is a minor one-time integration charge taken from the anchors or buyers, depending on the type of agreement.
L) What will happen if the buyer defaults?
KredX maintains a robust communication stream between all its clientele. We send timely reminders in the following durations:
- First reminder on Due date minus 10 days
- Second reminder on due date minus 5 days
- Third reminder on due date minus 3 days
- Fourth reminder on the due date itself
In case the Dealer/Distributor still fails to make the payment, we will send a reminder on the due date plus one day regarding mandated auto pull. In case of Mandate, auto pull fails, we will inform you as well before taking any further action. In such cases, Anchors must ensure that they are executing the stop-supply to the defaulted buyer until it gets a NOC from KredX. If the Anchor fails to do that then the repayment liability will be the seller’s responsibility.
M) What is the Max credit limit per buyer?
At KredX, the maximum credit limit possible is decided on a case-to-case basis.
N) What is the Max duration of the credit facility?
Being a customisable offering, we can provide credit facilities, depending on the working capital cycle that can go as high as 120 days, depending on the requirement and preferences.
O) Will there be any recourse on brand if the buyer doesn’t pay on time?
Incase of FLDG, the recourse will be the percentage of the FLDG provided to KredX by the seller. In case of Non-FLDG cases, there is no recourse on the brand if they execute the stop-supply as soon as there is a default.
P) At what stage will KredX consider any buyer as a defaulter?
Initially, we provide a few days of deferral before considering a buyer a defaulter after verifying the genuinity of the case. In case the payment gets delayed post the deferral period or if the e-mandate fails, then we declare the buyer as a default.
Q) How to upload invoices into the KredX Portal?
In case for Online: The Anchor sends KredX the order details during checkout
In case of Offline: Either the buyer can initiate the transaction, or the anchor can upload the invoices on the KredX platform, post which the buyer can give an approval.
N) What happens if I restart the provided services to the defaulted buyers without KredX’s approval?
Incase of a scenario where the Anchor restarts the services without any clearance from KredX, the legal recourse will be on the supplier and they will be liable to repay the total outstanding along with the respective interests to KredX or its lending partners.
The KredX team will be sending an MIS on a regular basis.
Yes, the buyer can use the BNPL facility for part of the invoice amount. The buyer can avail this facility online, only if the amount is less than threshold.
The buyers will receive a dedicated web link which can be used by them to get onboarded on the KredX BNPL portal.
The KredX BNPL facility can be availed at the time of checkout during making a purchase.
The buyers will receive a dedicated web link which can be used for any offline transaction.
Underwriting process - based on a data set for each potential borrower (format attached in excel), Credit Bureau information will be retrieved to check initial eligibility. Once a set of buyers are approved based on CIBIL.
We need the following additional documents if the dealer/distributor needs a higher limit than the assigned limit(based on the CIBIL).
(a) KYC - (PAN & Aadhaar copy - All prop, Firm partner, directors)
(b) Firm / Company - PAN, COI and GST
(c) Bank statement- 1 year directly downloaded from internet banking
(d) GST 1 year
Not really. Being a customisable offering, the costing and interests depend on the type of arrangement the parties agree to. If they choose to subvert the percentage of interest then they can.
Yes
Yes, you can integrate KredX BNPL with your E-commerce portal.
Yes, it can be used as an embedded financing option.
Yes, a user can on-board and get instant sanctions at the time of checkout.
Depending on the ticket size, document submission by the user and several other factors, the duration can be as low as 2 minutes, and as high as 24 hours.
Depending on the ticket size, document submission by the user and several other factors, the duration can be as low as 2 minutes, and as high as 24 hours.
The buyer is onboarded on the KredX platform through a web link that redirects the buyer to the platform where the buyer can fill in the required details.
The sanction limits are allocated based on multiple factors including the ticket size, risk, etc.
A minimum of 650 CIBIL score is required as an eligibility criteria. It can also depend on a case-by-case basis.
Step 1. Order added to cart
Step 2. Select the pay later option at the checkout.
Step 3. Buyer is redirected to the KredX platform to confirm the invoice
Step 4. Upon successful confirmation, the user is redirected back to the seller portal.
Step 5. Funds will be transferred from buyer’s pay later account, to seller’s current account.
The repayment can be done through UPI, payment link, which is similar to payment gateways, virtual bank account number, etc.
The buyer is intimated by the team before the due date.
An Aadhaar based mandate is a mandatory where the Aadhaar identity proof is sufficient since the authentication will be aadhaar-based. It takes upto 4 days to get an approval in case of an Aadhaar based mandate.
As soon as the invoice is uploaded, buyers will get a WhatsApp message, an SMS and an email update to which they need to respond by clicking on the Yes/No status.
KredX will provide the dedicated dashboard to each buyer where they can see the transaction history, available limits, utilised dates, etc.
You can transact multiple times in a day with no limits. As long as you are utilising the sanctioned limit available for you.
You can repay multiple times within the decided credit period.
Reassigning of the limits takes place immediately after the repayment amount hits the bank account.
Only 1 day(s) interest will be charged in case you repay the outstanding amount within the same day.
Based on the sales volume, KredX can by default increase or decrease the limits. In case you want a higher limit, we can accommodate the same depending on case-to-case basis. For the same you can also reach out to your dedicated RM.
A delay in payment is always reported to CIBIl or any other credit bureau.
No.
In such cases, the Anchor will bear the interest for the duration and for Online we have an API.
Yes. We, at KredX, provide our clients with a dedicated dashboard to track everything in real-time.
There is no other document required. Based on your Credit Bureau history, it will be assessed.
1) Visit the NetBanking registration page.
2) Enter your customer ID and confirm your mobile number to get an OTP.
3) Enter the OTP and enter your debit card details.
4) Set your PIN and log in NetBanking using the customer ID and new PIN.
In order to download bank statement(s):
1) Visit your bank's website.
2) Log in to Online Banking/Digital Banking/Internet Banking/eBanking etc.
3) Click 'statements', 'e-documents', or 'download'
4) Make sure you've selected the correct account.
5) Choose a statement (or a date range) and Download
6) Repeat the steps to download multiple statements.
With the login access provided, you can login to your KredX pay later account and with the same details login to your netbanking account. Watch the video for more details.
Visit GST Portal. Log in to the account on GST Portal. Navigate to Services and select the Financial Year. You can view the Acknowledgment Number and Date of Filing of the GST Return. The Review page of GST Return would be displayed.
Access www.gst.gov.in and go to the GST Home page. Login to the GST Portal with valid credentials. Click on Services > User Services > View/Download Certificates command.
Visit the official website of Unique Identification Authority of India (UIDAI). Click on the 'My aadhaar' tab. Click on the 'download aadhaar' option under the 'Get aadhaar' tab.
KredX Pay Later supports all nationalised banks.
1) Visit the NetBanking registration page.
2) Enter your customer ID and confirm your mobile number to get an OTP.
3) Enter the OTP and enter your debit card details.
4) Set your PIN and log in NetBanking using the customer ID and new PIN.
In order to download bank statement(s):
1) Visit your bank's website.
2) Log in to Online Banking/Digital Banking/Internet Banking/eBanking etc.
3) Click 'statements', 'e-documents', or 'download'
4) Make sure you've selected the correct account.
5) Choose a statement (or a date range) and Download
6) Repeat the steps to download multiple statements.
With the login access provided, you can login to your KredX pay later account and with the same details login to your netbanking account. Watch the video for more details.
Visit GST Portal. Log in to the account on GST Portal. Navigate to Services and select the Financial Year. You can view the Acknowledgment Number and Date of Filing of the GST Return. The Review page of GST Return would be displayed.
Access www.gst.gov.in and go to the GST Home page. Login to the GST Portal with valid credentials. Click on Services > User Services > View/Download Certificates command.
Visit the official website of Unique Identification Authority of India (UIDAI). Click on the 'My aadhaar' tab. Click on the 'download aadhaar' option under the 'Get aadhaar' tab.
KredX Pay Later supports all nationalised banks.
Anchors can increase their average sales by up to 40% per customer, double their overall sales with a flexible credit period for buyers, save merchant discount rate, improve cart conversion by 30% and have quick API integration. KredX is India’s one of the firsts to provide instant credit in the B2B marketplace with exceptional TAT.
You can follow the following steps to get onboarded:
1) Fill out the form and sign up an agreement to get started
2) Our Relation Manager will reach out to you
3) You can opt for a customised solution as per your requirement
4) Post the integration BNPL appears as a payment mode at Checkout
5) Receive outstanding payment in under 2 minutes
A) What is BNPL & How does it work?
The Buy Now Pay Later solution is a closed-loop digital Supply Chain Financing solution leveraging cutting edge technology to offer working capital finance to Dealers / Distributors / Stockists / Retailers of any brands or products. It helps brands & enterprises get instant payment against products sold, while their business buyers get immediate financing, based on their credit profile, to purchase products on credit with a flexible repayment window.
B) What is the BNPL program limit?
The BNPL program limit is broadly two types. One, the buyer limit where it is based on per buyer sanction limit, and two, the maximum limit provided, which can be distributed across multiple buyers.
C) What do you mean by Vintage with an anchor? and what is the minimum acceptable vintage for KredX BNPL?
Vintage with an anchor is defined based on how long the relationship is with each other. Where mostly the minimum acceptable vintage depends on case-to-case basis, we can consider customers being attached from 3 month, 6 months, or even new to the platform as well.
D) What is the minimum CIBIL acceptable under KredX BNPL?
Buyers with CIBIL Score above 650 & New-to-Credit can avail BNPL on the KredX platform.
E) What is NTC or New to Credit User? How much credit facility can an NTC buyer avail of from KredX?
New-to-credit user is referred to someone who has not opted for any kind of loans in the past. The credit facility for a new-to-credit user depends on case-to-case.
F) How do you calculate the sanction limits?
A sanction limit is mostly decided based on the amount of sales/purchases the buyer has done with the anchor minus the current repayment liabilities that exist. Besides, there are multiple factors that can decide the amount of risk.
G) How does the transaction happen under BNPL? How does the buyer show the same in their audit files?
The buyer shows the transaction as loan payable to the banks or NBFCs.
H) How can a buyer repay the loan? What are the various options available?
Besides credit cards, Buyers have the flexibility to repay the amount loaned via UPI, Virtual Account, and Payment Links which all are unique to each buyer.
I) What is the benefit for a buyer if they do the repayment within the due date or before the due date?
We do not charge any prepayment fees and help buyers repay the utilised amount only for the utilised day.
- Repayment option 1 (before the due date) - In case the dealer/distributor pays before the due date. For example, the interest for 30 days on INR 10,000 is 1,000; the dealer/distributor pays 11,000 on the 15th day, i.e. 15 days before the actual due date. The additional 500 interest would be adjusted in the repayments, and the user can pay 500 less.
- Repayment option 2 (on due date) - In case the dealer/distributor pays on the due date- In this scenario, the dealer/distributor gets no additional benefit as the interest was calculated as per the duration only and they get the revolving credit limit opened for their next transactions.
- Repayment Option 3 (Post due date) - In this scenario, the dealer/distributor will be charged interest plus a penalty on the transaction amount. Post due date mandate will be executed for auto pull.
J) What is delayed interest (penal interest) and How is it calculated? For how long?
Delayed interest/penal interest is referred to as the additional interest when there is a delay or no repayment on the due date. At KredX, we charge a penal interest of 2% on the no of days delayed which is post the due date on the existing interest rate on a pro rata basis. This process continues until KredX recovers the amount back. Example.
K) What are the charges involved for Anchors and their Buyers?
Unlike other fintech institutions, at KredX there are no charges involved for anchors and buyers besides interest rates. Incase of online integration, there is a minor one-time integration charge taken from the anchors or buyers, depending on the type of agreement.
L) What will happen if the buyer defaults?
KredX maintains a robust communication stream between all its clientele. We send timely reminders in the following durations:
- First reminder on Due date minus 10 days
- Second reminder on due date minus 5 days
- Third reminder on due date minus 3 days
- Fourth reminder on the due date itself
In case the Dealer/Distributor still fails to make the payment, we will send a reminder on the due date plus one day regarding mandated auto pull. In case of Mandate, auto pull fails, we will inform you as well before taking any further action. In such cases, Anchors must ensure that they are executing the stop-supply to the defaulted buyer until it gets a NOC from KredX. If the Anchor fails to do that then the repayment liability will be the seller’s responsibility.
M) What is the Max credit limit per buyer?
At KredX, the maximum credit limit possible is decided on a case-to-case basis.
N) What is the Max duration of the credit facility?
Being a customisable offering, we can provide credit facilities, depending on the working capital cycle that can go as high as 120 days, depending on the requirement and preferences.
O) Will there be any recourse on brand if the buyer doesn’t pay on time?
Incase of FLDG, the recourse will be the percentage of the FLDG provided to KredX by the seller. In case of Non-FLDG cases, there is no recourse on the brand if they execute the stop-supply as soon as there is a default.
P) At what stage will KredX consider any buyer as a defaulter?
Initially, we provide a few days of deferral before considering a buyer a defaulter after verifying the genuinity of the case. In case the payment gets delayed post the deferral period or if the e-mandate fails, then we declare the buyer as a default.
Q) How to upload invoices into the KredX Portal?
In case for Online: The Anchor sends KredX the order details during checkout
In case of Offline: Either the buyer can initiate the transaction, or the anchor can upload the invoices on the KredX platform, post which the buyer can give an approval.
N) What happens if I restart the provided services to the defaulted buyers without KredX’s approval?
Incase of a scenario where the Anchor restarts the services without any clearance from KredX, the legal recourse will be on the supplier and they will be liable to repay the total outstanding along with the respective interests to KredX or its lending partners.
The KredX team will be sending an MIS on a regular basis.
Yes, the buyer can use the BNPL facility for part of the invoice amount. The buyer can avail this facility online, only if the amount is less than threshold.
The buyers will receive a dedicated web link which can be used by them to get onboarded on the KredX BNPL portal.
The KredX BNPL facility can be availed at the time of checkout during making a purchase.
The buyers will receive a dedicated web link which can be used for any offline transaction.
Underwriting process - based on a data set for each potential borrower (format attached in excel), Credit Bureau information will be retrieved to check initial eligibility. Once a set of buyers are approved based on CIBIL.
We need the following additional documents if the dealer/distributor needs a higher limit than the assigned limit(based on the CIBIL).
(a) KYC - (PAN & Aadhaar copy - All prop, Firm partner, directors)
(b) Firm / Company - PAN, COI and GST
(c) Bank statement- 1 year directly downloaded from internet banking
(d) GST 1 year
Not really. Being a customisable offering, the costing and interests depend on the type of arrangement the parties agree to. If they choose to subvert the percentage of interest then they can.
Yes
Yes, you can integrate KredX BNPL with your E-commerce portal.
Yes, it can be used as an embedded financing option.
Yes, a user can on-board and get instant sanctions at the time of checkout.
Depending on the ticket size, document submission by the user and several other factors, the duration can be as low as 2 minutes, and as high as 24 hours.
Depending on the ticket size, document submission by the user and several other factors, the duration can be as low as 2 minutes, and as high as 24 hours.
The buyer is onboarded on the KredX platform through a web link that redirects the buyer to the platform where the buyer can fill in the required details.
The sanction limits are allocated based on multiple factors including the ticket size, risk, etc.
A minimum of 650 CIBIL score is required as an eligibility criteria. It can also depend on a case-by-case basis.
Step 1. Order added to cart
Step 2. Select the pay later option at the checkout.
Step 3. Buyer is redirected to the KredX platform to confirm the invoice
Step 4. Upon successful confirmation, the user is redirected back to the seller portal.
Step 5. Funds will be transferred from buyer’s pay later account, to seller’s current account.
The repayment can be done through UPI, payment link, which is similar to payment gateways, virtual bank account number, etc.
The buyer is intimated by the team before the due date.
An Aadhaar based mandate is a mandatory where the Aadhaar identity proof is sufficient since the authentication will be aadhaar-based. It takes upto 4 days to get an approval in case of an Aadhaar based mandate.
As soon as the invoice is uploaded, buyers will get a WhatsApp message, an SMS and an email update to which they need to respond by clicking on the Yes/No status.
KredX will provide the dedicated dashboard to each buyer where they can see the transaction history, available limits, utilised dates, etc.
You can transact multiple times in a day with no limits. As long as you are utilising the sanctioned limit available for you.
You can repay multiple times within the decided credit period.
Reassigning of the limits takes place immediately after the repayment amount hits the bank account.
Only 1 day(s) interest will be charged in case you repay the outstanding amount within the same day.
Based on the sales volume, KredX can by default increase or decrease the limits. In case you want a higher limit, we can accommodate the same depending on case-to-case basis. For the same you can also reach out to your dedicated RM.
A delay in payment is always reported to CIBIl or any other credit bureau.
No.
In such cases, the Anchor will bear the interest for the duration and for Online we have an API.
Yes. We, at KredX, provide our clients with a dedicated dashboard to track everything in real-time.
There is no other document required. Based on your Credit Bureau history, it will be assessed.
1) Visit the NetBanking registration page.
2) Enter your customer ID and confirm your mobile number to get an OTP.
3) Enter the OTP and enter your debit card details.
4) Set your PIN and log in NetBanking using the customer ID and new PIN.
In order to download bank statement(s):
1) Visit your bank's website.
2) Log in to Online Banking/Digital Banking/Internet Banking/eBanking etc.
3) Click 'statements', 'e-documents', or 'download'
4) Make sure you've selected the correct account.
5) Choose a statement (or a date range) and Download
6) Repeat the steps to download multiple statements.
With the login access provided, you can login to your KredX pay later account and with the same details login to your netbanking account. Watch the video for more details.
Visit GST Portal. Log in to the account on GST Portal. Navigate to Services and select the Financial Year. You can view the Acknowledgment Number and Date of Filing of the GST Return. The Review page of GST Return would be displayed.
Access www.gst.gov.in and go to the GST Home page. Login to the GST Portal with valid credentials. Click on Services > User Services > View/Download Certificates command.
Visit the official website of Unique Identification Authority of India (UIDAI). Click on the 'My aadhaar' tab. Click on the 'download aadhaar' option under the 'Get aadhaar' tab.
KredX Pay Later supports all nationalised banks.

Contact Us
INDIA
1800 419 4919
OUTSIDE INDIA
+91-8061799200
GLOBAL EMAIL
info@kredx.com
For Media Enquiries
pr@kredx.com
Our Office Locations
Wing ‘A’, Ground Floor,
Office-1 Block-‘A’,
Salarpuria Softzone, Bellandur Village,
Varthur Hobli,
Bangalore South Taluk,
Outer Ring Road, Bangalore – 560103

C-15, 2nd floor, M-130-131 Connaught place M- block outer circle, opp to shankar market, Delhi - 110001

Awfis - 10th floor - cabin number - 35 -33, 1B – 1003, Parinee Crescenzo, G Block, BKC, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051

Wing ‘A’, Ground Floor,
Office-1 Block-‘A’,
Salarpuria Softzone, Bellandur Village,
Varthur Hobli,
Bangalore South Taluk,
Outer Ring Road, Bangalore – 560103
Apeejay Business Centre,
6th Floor, Arunachal Building,
19 Barakhamba Road,
Connaught Place, New Delhi - 110001
Wework, 14th Floor,
247 Park, Vikhroli West,
Mumbai, Maharashtra - 400079
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