CreditQ

CreditQ is India's first app and web-based platform focused on Business Credit Management and Information for Micro, Small, and Medium Enterprises (MSMEs) and general businesses. Founded in 2019 and headquartered in Jaipur, Rajasthan, CreditQ is a women-led, DPIIT-registered startup that protects businesses from credit defaulters through transparent and professional credit reporting services. The platform enables businesses to report non-paying clients, access Credit Information Reports (CIR), manage business credit profiles, and resolve payment disputes through a structured settlement process. It also offers automated payment reminders, continuous credit monitoring, and free payment settlement services — helping MSMEs verify the credibility of potential partners and reduce financial risk.

In India, approximately 6.30 crore MSMEs operate, and 90–95% suffer from business credit defaults, with no structured mechanism (like CIBIL for banks) to report or check business-to-business payment defaulters. This leads to significant financial losses, disrupted cash flow, and lack of trust in B2B transactions.

CreditQ provides a business credit bureau platform where GST-registered businesses can report defaulters, access Credit Information Reports, receive automated payment reminders, and initiate structured settlement processes — fostering transparency and reducing credit risk in the Indian MSME ecosystem.

CreditQ has approximately 85 employees and estimated annual revenue of ~$3M. The platform has connected a growing number of MSMEs across India, with measurable settlements and verified defaulter reports, and has received positive testimonials from businesses across multiple Indian states.