Kredmint

What Kredmint does

Kredmint Technologies Private Limited is an India-based embedded supply chain finance and enterprise automation platform founded in 2022 by former Paytm executives Vikas Garg (former CFO), Rahul Nagar, and Himanshu Arora. The company is headquartered in Noida and primarily serves Indian MSMEs alongside enterprises that want to offer financing to their supply chain partners. Its core proposition is enabling working capital access for businesses lacking traditional collateral by underwriting on transaction data, complemented by operational tools for distribution and field sales management.

The platform combines a broad set of financial products (term loans, line of credit, invoice discounting, vendor financing, BNPL, trade financing, gold loans, escrow) with payment solutions (payment collection, subscriptions, auto-collect, payouts, bill payments, expense management, corporate cards, forex) and trade operations tools (Distribution Management System, Field Sales App, Voice AI Calling). Architecture is API-first with SDK support, ERP integrations with Tally and Busy, and white-label capabilities for partner platforms. AI/ML is applied across credit decisioning, secondary order prediction, stock-out forecasting, outlet credit scoring, route optimization, voice-based customer engagement, and AI-driven loyalty personalization. Payment infrastructure reportedly handles 3,000 transactions per second.

Kredmint monetizes through interest income on loans (15-24% per annum), processing fees of up to 3% at sanction, embedded finance and white-label licensing, and payment transaction fees. Go-to-market combines direct enterprise sales with embedded OEM distribution and digital self-serve application channels. Lending capital is sourced through partnerships with 8+ RBI-registered lenders and financial institutions including IDFC Bank, Kotak Mahindra Bank, Muthoot Fincorp, Aditya Birla Capital, Capsave Finance, and UGRO Capital. Disclosed scale metrics include 120+ brand customers, 300,000+ merchants served, 1.2M+ invoices processed, and a stated loan book expansion target of Rs 1,000 crore (~$120M) over three years. The company has raised $2M in angel funding (December 2022) and employs 11-50 people.

Name

Kredmint

Legal name

Kredmint Technologies Private Limited

Website

https://kredmint.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Kredmint is an India-based embedded supply chain finance platform that provides working capital loans, vendor financing, invoice discounting, BNPL, payment collection, and AI-driven distribution and field sales tools to MSMEs, enterprises, and consumer brand supply chains.

Ownership category

akta.pro rank

Product category

Embedded Finance Platform

NAICS

Other Nondepository Credit Intermediation (52229), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

akta.pro secondary industries

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

Keywords

• Embedded supply chain finance
• Working capital financing
• Invoice discounting platform
• Vendor financing solutions
• Distribution management software

Headquarters

HQ city

Noida

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Interest Income on Loans: Kredmint earns interest income on its loan products including term loans, line of credit, trade financing, vendor financing, and invoice discounting. Interest rates range from 15% to 24% per annum depending on loan type and borrower profile.
2. Loan Processing Fees: One-time processing fees charged at the time of loan sanction, up to 3% of the loan amount.
3. Embedded Finance / API Licensing: Revenue from embedding financial products into partner platforms via APIs and SDKs, including white-label trade finance solutions where partners offer Kredmint-powered financing under their own brand.
4. Payment Processing & Transaction Fees: Revenue from payment collection, auto-collect, subscriptions, payouts, and bill payments solutions. The platform processes payments across UPI, net banking, cards, and wallets with settlement and transaction fees.
5. Trade Finance Solutions: Fees from letters of credit, trade guarantees, and export/import financing products tailored to specific trade requirements.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Kredmint provides an embedded supply chain finance and enterprise automation platform that combines financial products (working capital loans, invoice discounting, vendor financing, trade finance, BNPL) with operational tools (Distribution Management System, Field Sales App, expense management, Voice AI) delivered via APIs and SDKs. The platform primarily serves MSMEs and enterprises in India, enabling collateral-free credit decisions through AI-powered analysis of business transaction data, and offers white-label embedded finance for partner platforms.

Product overview

Kredmint is an embedded supply chain finance platform offering a comprehensive suite of enterprise solutions, financial products, and payment solutions designed for businesses in India. The platform operates as a modular architecture combining core enterprise solutions (Vendor Financing, Anchor Invoice Discounting, Payment Collection, Buy Now Pay Later, Supply Chain Finance, Payout Platform, and White Label Trade Finance) with financial products (Line of Credit, Trade Financing, Invoice Discounting, Term Loan, Gold Loan, and Escrow Account) and payment solutions (Subscriptions, Easy Split, Auto Collect, Bill Payments, Benefits, Corporate Cards, Forex and Remittance, and Expense Management). The ecosystem is unified through trade solutions including the Distribution Management System, Field Sales App, and Voice AI Calling Solutions, enabling businesses to manage, grow, and optimize their financial operations from a single platform. The company focuses on serving MSMEs in India with working capital financing and supply chain management solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Vendor Financing Embedded vendor/supplier financing solution that streamlines supply chain processes and provides financial support to vendors and suppliers through seamless integration within existing systems such as ERP and procurement platforms.
• Anchor Invoice Discounting Embedded invoice discounting solution that empowers businesses to optimize cash flow by unlocking the value of outstanding invoices through seamless integration within existing systems, targeting anchor enterprises and their suppliers.
• Payment Collection Streamlined payment collection platform supporting credit/debit cards, UPI, net banking, and mobile wallets with automated reconciliation, ERP integration (Tally, Busy), and capacity of 3,000 transactions per second.
• Buy Now Pay Later Embedded Buy Now Pay Later financing solution that empowers businesses to offer flexible payment options to customers with seamless integration into websites or e-commerce platforms.
• Payout Platform Send payments instantly and securely to bank accounts, UPI IDs, and wallets via APIs, dashboards, and file uploads with 24x7 IMPS, NEFT, RTGS, and UPI capabilities, including Tally ERP integration for automated reconciliation.
• Supply Chain Finance Optimizes supply chain operations with transparent and efficient solutions providing fast working capital, access to larger amounts, and technology-driven efficiency.
• White Label Trade Finance White labeled trade finance solutions under the partner's own brand powered by Kredmint's secure and scalable infrastructure.
• Line of Credit Pre-approved credit limit providing financial flexibility to manage cash flow fluctuations, cover unexpected expenses, and seize business opportunities with flexible repayment terms and no prepayment penalties.
• Trade Financing Funds to bridge the cash flow gap between purchasing goods and receiving payments from customers, with options including letters of credit, trade guarantees, and export/import financing tailored to specific trade requirements.
• Invoice Discounting Access immediate funds by leveraging unpaid invoices, providing flexible financing options tailored to business needs without requiring collateral.
• Term Loan Substantial capital for long-term business growth and development with flexible repayment options and competitive interest rates ranging from 15% to 24% per annum.
• Gold Loan Hassle-free gold loans starting at 0.74% per month (8.88% annual) with doorstep service available and loan processing in 30 minutes.
• Escrow Account Quick escrow account simplifying transactions between buyers and sellers with trusteeship services and 100% safe escrow arrangements.
• Distribution Management System (DMS) AI-powered distribution management platform with secondary order prediction, stock-out alerts at SKU-level, primary order recommendations, outlet credit scoring, market credit recovery, delivery route optimization, and ERP integration.
• Field Sales App (FSA) AI-powered field sales platform with intelligent automation, AI-based target generation, smart sell recommendations, beat performance optimization, geo-tagged attendance, real-time beat coverage tracking, and automated billing for subscription services.
• Voice AI Calling Solutions AI-powered voice bots that engage customers effectively through intelligent voice interactions, drive meaningful actions, automate payment reminders, and significantly reduce manual effort across operations.
• Corporate Cards Corporate cards enabling employees to spend freely while finance teams maintain full control with enhanced expense management capabilities.
• Expense Management Full control of business expenses with real-time visibility, automated workflows, and enhanced control and compliance for finance teams.
• Forex and Remittance Reliable forex solutions for seamless global transactions with mitigated payment risks and flexible use of funds.

Quantifiable outcome

• 120+ brands served on platform
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability8 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• ICICI BankcoreTechnology or IntegrationICICI Bank is listed as a technology and payment integration partner enabling payment processing capabilities within Kredmint's platform.
• Yes BankcoreTechnology or IntegrationYes Bank is a payment and banking technology integration partner supporting Kredmint's payment collection and disbursement infrastructure.
• CashfreecoreTechnology or IntegrationCashfree is a payment gateway and orchestration partner enabling seamless payment collection and disbursement on Kredmint's platform.
• EasebuzzcoreTechnology or IntegrationEasebuzz provides payment technology infrastructure supporting Kredmint's payment collection solutions including UPI, net banking, and card payments.
• Karza TechnologiescoreTechnology or IntegrationKarza Technologies is a data and analytics partner providing credit risk assessment and business data services that support Kredmint's AI-powered credit decisioning engine.
• PerfioscoreTechnology or IntegrationPerfios is a financial data aggregation and analytics partner enabling Kredmint to access and analyze financial statements, bank statements, and other business data for credit evaluation.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Open (Open Financial Technologies): Business banking and financial services platform for SMEs in India offering current accounts, payments, and credit. Comparable in targeting underserved SMBs with an integrated stack, though Kredmint is more verticalized in supply chain finance.

Broad incumbents

• Zoho (Zoho Finance / Zoho Books): Suite of enterprise software including invoicing, expense management, and ERP integrated with payment and lending features. Comparable in bundling finance workflows with operational tooling for SMBs and enterprises.
• Razorpay: India's largest payments aggregator with an expanding lending arm (Razorpay Capital) and broader fintech OS ambitions. Comparable on embedded finance and payments infrastructure, but operates across a much wider product surface.

Direct peers

• mSupply (formerly Yaap): B2B distribution and embedded finance platform for FMCG brands and retailers in India. Direct overlap with Kredmint's DMS, FSA, and channel financing offerings for consumer brands.
• Lendingkart: India-focused digital lending platform providing working capital and term loans to MSMEs, with a multi-lender marketplace model. Closely comparable to Kredmint in target borrower, product mix, and partner-led capital structure.
• OfBusiness (OFB Tech): B2B commerce and fintech platform serving SMEs with raw material procurement combined with embedded financing (Oxyzo). Directly comparable to Kredmint's combination of supply chain workflows and embedded credit for MSMEs.
• Kinara Capital: Provides collateral-free business loans to MSMEs in India, combining tech-led underwriting with a physical branch network. Comparable target segment (underserved Indian MSMEs) and product overlap with Kredmint's term loan and working capital offerings.
• Drip Capital: Cross-border trade finance and invoice financing platform focused on SMEs. Direct overlap with Kredmint's trade finance and invoice discounting products for small businesses.
• Capital Float (axio): Digital lending platform offering consumer and MSME credit products with a partner-driven capital model. Highly comparable in target segment, loan products, and fintech-led underwriting approach.

Others

• Perfios: Financial data aggregation and analytics provider to lenders in India. Listed as a technology/integration partner of Kredmint, providing the data backbone for credit decisioning — adjacent infrastructure in the same ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/kredmint/s
• Facebookfacebook.com/Kredmint
• LinkedInlinkedin.com/company/kredmint

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kredmint