Trade and Supply Chain Finance Experts

Supply chain finance platform for banks and NBFIs

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Krediq financier dashboard: total exposure, financing volume, limit utilisation and finance pipeline.

Processing SCF is the easy part. The hard part is finding the anchors and getting their suppliers on board. Krediq does all of it.

01Discover · Opportunity Intelligence

Your next programmes are already in your payments data.

Opportunity Intelligence scores every corporate in your payments data for all three SCF products. Your RMs get a shortlist and a brief.

How it works

  1. Upload your corporate payments data

    Your own data. No external feed.

  2. Score every corporate

    Opportunity and readiness, for each product.

  3. Map the ecosystem

    Shared suppliers and buyers, including ones that don’t bank with you yet.

  4. Brief the RM

    Which product to open with, the numbers, and the questions to ask.

Where to start

Opportunity Intelligence market map Corporates plotted by opportunity against readiness. High opportunity and high readiness: prioritise. High opportunity, little evidence: develop. Good evidence, weak pattern: investigate. Neither: ignore. Prioritise Investigate Develop Ignore Opportunity → Readiness →
Every corporate, by opportunity and readiness. Illustrative.
  • Every score shows its evidence. Each factor labelled by source.
  • It says what it does not know. Gaps become client questions, not guesses.
  • AI prepares, people decide. The RM chooses whom to approach.

Opportunity Intelligence is open for pilots. Ask for it in your demo

02Launch

Term sheet to live.

Three products on one set of onboarding, limits, controls and settlement. A new programme is configuration, not a project.

What you can launch

  • Approved payables finance on Krediq The buyer approves supplier invoices on Krediq. A bank or funder pays suppliers early. The buyer pays the funder at maturity. Krediq Bank or funder Buyer Suppliers funds approves early payment pays at maturity

    Approved payables finance

    Suppliers paid early on buyer-approved invoices, priced on the buyer's risk.

  • Dynamic discounting on Krediq The buyer approves invoices and pays suppliers early from its own cash, in exchange for a discount. Krediq Buyer Suppliers approves, pays early early payment, less discount

    Dynamic discounting

    The buyer pays early from its own cash, for a discount.

  • Receivables finance on Krediq A bank or funder advances cash to the seller against its receivables. The buyer pays at maturity and the advance is repaid. Krediq Bank or funder Buyer Seller funds advance pays at maturity

    Receivables finance

    Sellers funded against invoices, repaid when the buyer pays.

Three moves to live

  1. Structure it

    Pick a template. Set limits, tenor, pricing and approvals.

  2. Onboard the parties

    Email invites, KYC by customer type, e-signed agreements.

  3. Open the flow

    Invoices by portal, file or API, routed by the programme’s rules.

Integration

API-first, with a file alternative at every touchpoint. No programme waits on middleware.

  • Core banking and LMS
  • KYC and compliance
  • E-sign providers
  • Corporate ERP and AP
  • Payments
  • MIS and data out

Deploy it your way: SaaS, our cloud, your cloud or your data centre.

03Operate

One book, three portals.

Suppliers finance, buyers approve, your desk runs the book.

Three portals

Where financing gets adopted

  • Onboarding by email invite, with documents mapped automatically
  • Agreements signed electronically, with no branch visit
  • Financing in two clicks, or automatic where the programme allows
Krediq supplier portal: a bulk invoice upload with field mapping and validation of each row.

AI in the workflow

Fyroxa, an AI copilot for supply chain finance.

Ask about the book, or ask it to do the work. People confirm every action.

  • Create. Programmes, counterparties and invoices, including from Excel or PDF.
  • Analyse. What needs attention now: invoices due, approvals waiting, overdues.
  • Ask. “Which buyers are slowest to approve this quarter?”
Fyroxa copilot in Krediq: a summary of invoices due within 7 days, awaiting buyer approval and overdue, with a question about slow-approving buyers.

It has run live

Live SCF desk
12 months
Corporate programmes
5
Financed
US$800k

Built with NKC Finance, our launch client, before it became a product.

What our launch client says

“Within just 6 months, they delivered a robust MVP, allowing us to quickly enter the Approved Payable and Receivables Finance market.”

Deivarayan K, Managing Director, NKC Finance, Krediq’s launch client

Book a demo

One corporate, from discovered to financed, on the live system.

Forty minutes. We take a corporate Opportunity Intelligence has flagged, build a programme around it, finance an invoice and settle it.

  • No implementation commitment
  • NDA on request

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A supply chain finance specialist will reply, not a sales team. We usually reply within 24 hours.

Questions

What is supply chain finance?

Supply chain finance lets suppliers get paid early on their invoices, using the stronger credit of the buyer or the buyer’s own cash. Banks and NBFIs run it as programmes set up around a corporate anchor and its suppliers or buyers.

What is the difference between approved payables finance and dynamic discounting?

In approved payables finance, a bank or funder pays suppliers early on invoices the buyer has approved, priced on the buyer’s credit. In dynamic discounting, the buyer pays early from its own cash in return for a discount set by how early it pays.

Who is Krediq for?

Banks and NBFIs that want to launch or scale supply chain finance programmes, and the corporate anchors, suppliers and buyers in those programmes.

Is Opportunity Intelligence live?

Opportunity Intelligence is open for pilots with banks and NBFIs. Ask for it when you book a demo.

Does Krediq need an ERP integration to start?

No. Every touchpoint is API-first with a structured-file alternative, so invoices can come in by portal or file upload while integrations are built.

Not ready for a platform yet? Start with a look at your trade or SCF operations. About the Operations Review

Krediq