About us

Credvora is a next-generation NBFC-Factor startup designed to transform how India's small and mid-sized enterprises (SMEs) access working capital. As we prepare to register with the Reserve Bank of India (RBI) as a licensed NBFC-Factor, our mission is clear: to unlock liquidity trapped in invoices and make trustworthy, fast, and intelligent credit the norm for every Indian business, no matter its size or location.Founded by a team of finance professionals, technologists, and MSME advocates, Credvora is being built at the intersection of trust and innovation. We are not just building another lending app — we are building a credit infrastructure platform for Bharat.

Our focus is clear: serve underserved MSMEs, especially in Tier 2 and Tier 3 cities, who have historically lacked access to formal credit due to rigid underwriting and collateral-heavy models.

Vision

To become India’s most trusted NBFC-Factor, known for speed, simplicity, and SME-first service.
We envision a future where:

• Cash flow isn’t delayed because of unpaid invoices

• Finance is embedded, not forced

• Technology builds trust, not confusion

• Every MSME, regardless of city or scale, can access smart credit

What We are Building

Credvora will offer a full-stack platform that bridges the gap between unpaid B2B invoices and instant liquidity through:

• ✅ AI-based Risk Engine: Approving credit based on invoice quality, GST returns, and buyer behavior

• ✅ ERP-Embedded Lending: Finance offered inside Tally, Zoho, and other tools MSMEs already use

• ✅ Branch-Led Outreach: Field teams in industrial zones to build trust and acquire high-volume clients

• ✅ Optional Invoice Insurance: Giving businesses peace of mind by securing financed invoices

• ✅ Real-Time Dashboards: SMEs and investors track cash flow, repayments, and disbursals with transparency

Where We Stand Today

• Currently in pre-registration stage with RBI as an NBFC-Factor

• Technology stack built and under pilot testing

• Actively building partnerships with ERP companies, CA networks, and SME clusters

• Finalizing institutional funding lines and co-lending infrastructure

Why Credvora Stands Out

Unlike aggregators or urban-focused platforms, Credvora is a full-lending NBFC focused on building long-term relationships with MSMEs across India. We blend:

• Tech-enabled underwriting

• Hyperlocal trust-building

• Regulatory compliance

• Human + digital onboarding

This hybrid approach is what India’s 63M+ MSMEs need — not just fast money, but smart money they can rely on..