KredX
KredX operates India's largest multi-platform supply chain finance ecosystem through DTX (RBI-licensed TReDS), GTX (IFSCA-licensed ITFS) and CMS, connecting MSMEs, corporates, and exporters with 15 financial institution partners and an investor marketplace for invoice discounting and trade financing.
- Company typePrivate
- Founded2015
- HeadquartersBangalore, India
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What KredX does
KredX is an India-headquartered, multi-platform supply chain finance company that operates DTX (a Reserve Bank of India-licensed Trade Receivables Discounting System platform), GTX (an IFSCA-licensed International Trade Finance Services platform at GIFT City for cross-border trade), and CMS (a cash management solutions suite for enterprise finance teams). Together these platforms connect MSMEs, large corporates and exporters with a roster of financial institution partners — including SBI, TATA Capital, JANA, Mizuho, Unity Small Finance Bank, Axis Bank and Chola — and an investor marketplace where invoices can be purchased directly. The underlying technology stack combines AI-driven credit risk assessment (the proprietary 'KredX Score', a 360-degree evaluation of business and counter-party data), blockchain-enabled transaction ledgers for tamper-proof settlement, and digital bidding logic that lets multiple financiers compete on each invoice or trade receivable.
The core commercial proposition is to turn unpaid domestic and cross-border invoices into immediate working capital within 30–90 days, without collateral, at rates set by competitive bidding among participating financiers. The company monetises primarily through transaction-based fees on invoice discounting, factoring, reverse factoring and import/export financing flows, and increasingly through CMS subscriptions for accounts-receivable, collections, dynamic discounting and PO-to-pay automation. GTM combines a direct enterprise field-sales motion with self-serve digital onboarding for SMEs, a Business Partner referral channel, and an investor-facing marketplace for individual and institutional capital.
Operating from Bangalore with regional offices in Delhi, Mumbai and GIFT City, KredX reports over $12 billion in cumulative transaction volume across its platforms, 700+ corporate customers, 50+ finance teams on CMS, 15 FI partners and a TReDS track record of Rs 7 lakh crore financed with defaults under 1%. Headcount of 101–250 supports the engineering, compliance, sales and operations needed to serve as both an RBI-licensed TReDS operator (the 5th in India) and the first IFSCA-licensed ITFS operator in the country. The company is privately held under Minions Ventures Private Limited, operates three wholly-owned subsidiaries (KredX Finance, KredX Ventures IFSC, and KredX Platform), and is led by co-founders Anurag Jain (Executive Director) and Manish Kumar (CEO-Founder).
KredX firmographics
Firmographics- Name
- KredX
- Legal name
- Minions Ventures Private Limited
- Website
- https://kredx.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- KredX operates India's largest multi-platform supply chain finance ecosystem through DTX (RBI-licensed TReDS), GTX (IFSCA-licensed ITFS) and CMS, connecting MSMEs, corporates, and exporters with 15 financial institution partners and an investor marketplace for invoice discounting and trade financing.
- Ownership category
- akta.pro rank
KredX industry classification
Industry- Product category
- Supply Chain Finance
- NAICS
- Sales Financing (52222), Miscellaneous Intermediation (523910)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)
- akta.pro secondary industries
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)
Keywords
Where KredX is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices4 records
Markets served
KredX business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Invoice Discounting / Factoring Fees: KredX facilitates invoice discounting where businesses can sell their unpaid invoices to investors at a discount. The platform earns a fee or spread from each transaction.
- Trade Finance Platform Fees: Revenue from facilitating export and import factoring transactions on the GTX platform, charging fees for financing services
- Investor Returns Spread: Platform enables investors to earn returns up to 15-20% on invoice investments, with KredX capturing spread between investor returns and borrower rates
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Invoice Discounting Investment |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
KredX product offering
Product offeringCore offering
KredX operates India's largest supply chain finance ecosystem across three core platforms: DTX (RBI-licensed TReDS for domestic invoice discounting), GTX (IFSCA-licensed ITFS for cross-border trade financing), and CMS (B2B payments and finance automation). The platforms collectively enable MSMEs, corporates, exporters, and importers to convert unpaid invoices and receivables into immediate working capital through digital competitive bidding among 15+ financial institution partners. Investors also access short-term invoice-backed investment opportunities with returns of 15-20% over 30-90 day tenures.
Product overview
KredX is a multi-platform fintech company offering India's largest supply chain finance ecosystem. The core platform consists of DTX (RBI-licensed TReDS for domestic invoice discounting), GTX (IFSCA-licensed ITFS for cross-border trade finance), and CMS (Cash Management Solutions for B2B payments and automation). These platforms connect businesses (buyers/suppliers/exporters) with financiers through digital marketplace mechanisms, enabling invoice discounting, factoring, reverse factoring, dynamic discounting, and import/export financing. The ecosystem facilitates working capital access for MSMEs through competitive bidding among multiple financial institution partners, while providing investors access to invoice-backed investment opportunities with returns of 15-20%.
Differentiator
Problem solved
Functional benefit
Brands
- DTX: RBI-licensed TReDS platform for domestic invoice discounting enabling seamless invoice discounting, boosting buyer cash flow and MSME working capital.
- GTX
- KredX CMS
Products and services
- DTX (Domestic TReDS) RBI-licensed TReDS platform enabling seamless invoice discounting for MSMEs, connecting suppliers, buyers, and multiple financiers bidding to offer best rates through a digital process.
- GTX (Global Trade Exchange) IFSCA-licensed International Trade Finance platform facilitating import-export financing for cross-border trade, enabling Indian exporters to achieve instant liquidity against unpaid international receivables.
- CMS (Cash Management Solutions) B2B payments and finance automation platform offering collections management, accounts receivable automation, PO-to-pay automation, and dynamic discounting for enterprise finance teams.
- Invoice Discounting Platform connecting vendors and enterprises with investors for invoice discounting, providing businesses with instant cash against unpaid invoices and investors with returns of up to 15-20% within 30-90 days.
- Factoring Invoice factoring service enabling sellers to convert unpaid invoices into immediate working capital through the DTX platform.
- Reverse Factoring Supply chain finance solution allowing buyers to extend payment terms while enabling suppliers to receive early payment, optimizing working capital for both parties on the DTX platform.
- Export Financing Post-shipment financing option where financiers purchase exporters' receivables against goods provided to international buyers on the GTX platform, enabling immediate liquidity for exporters.
- Import Financing Working capital financing for importers facilitated through the GTX platform for cross-border trade transactions.
- Pre-Shipment Finance Credit option for exporters to meet working capital requirements before shipment of goods, including procurement of raw materials, manufacturing costs, and packaging expenses on the GTX platform.
- Order-to-Cash Automation End-to-end automation solution for managing the order-to-cash cycle, including collections management and receivables automation on the CMS platform.
- Collections Automation Software solution for automating B2B collections processes, helping finance teams manage receivables efficiently on the CMS platform.
Quantifiable outcome
- Defaults under 1% on TReDS platform
- +3 more outcomes
Companies that use KredX
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles5 records
KredX technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability7 records
Feature5 records
KredX partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Tradewind FinancecoreKredX collaborates with Tradewind Finance to deliver comprehensive export and supply chain financing solutions, combining KredX's digital platform with Tradewind's trade finance expertise.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
KredX competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
KredX social profiles
Digital presenceKredX compliance and trust
Trust signalCompliance3 records
KredX financial estimates
Financial estimateRevenue estimate
Valuation estimate
KredX leadership team
Management profileNumber of profiles
Profiles5 records
KredX subsidiaries and ownership
Company hierarchySubsidiaries3 records
KredX funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KredX M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KredX
What does KredX do?
KredX operates India's largest supply chain finance ecosystem across three core platforms: DTX (RBI-licensed TReDS for domestic invoice discounting), GTX (IFSCA-licensed ITFS for cross-border trade financing), and CMS (B2B payments and finance automation). The platforms collectively enable MSMEs, corporates, exporters, and importers to convert unpaid invoices and receivables into immediate working capital through digital competitive bidding among 15+ financial institution partners. Investors also access short-term invoice-backed investment opportunities with returns of 15-20% over 30-90 day tenures.
Is KredX a public or private company?
KredX is a private company. It is classified as venture growth investor backed and is currently operating.
When was KredX founded?
KredX was founded in 2015. It employs 101 to 250 people.
Where is KredX based?
KredX is headquartered in Bangalore, India, in the Asia region.
How does KredX make money?
Three revenue lines are on record. Invoice Discounting / Factoring Fees are the primary driver. The others are trade Finance Platform Fees and investor Returns Spread.
Does KredX have an API?
No public API is recorded for KredX.
What industry is KredX in?
KredX's product category is Supply Chain Finance. Its primary akta.pro industry code is FSAGAJAL, Trade Finance & Supply Chain Finance Platforms, with a secondary code of FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 52222 and its SIC code is 6153.