CredAble

CredAble is an Indian working capital technology company founded in 2017, headquartered in Mumbai with offices in Gurugram, Noida, Pune, Bengaluru, Kolkata and Singapore. It sells its platform to banks, NBFCs and large corporates as infrastructure for supply chain finance and SME lending, addressing the gap where suppliers and dealers of large buyers cannot get affordable short-term credit.

The API-driven BaaS platform is modular. Corporate solutions cover anchor-led supply chain financing, supplier-led invoice financing, pre-shipment financing and deep-tier financing; SME solutions cover digital financing and beyond-banking services; back-end solutions cover digital KYC and onboarding, a loan management system, digital underwriting, early warning signals and a cross-sell engine. CredAble states it enables over US$6bn of working capital a year and hosts 100+ corporate clients, 35+ banks and NBFCs and 250,000+ small-business borrowers. In July 2026 Karnataka Bank launched its first fully digital supply chain finance platform on CredAble, covering programme onboarding, participant registration, transaction processing, monitoring and reporting.

1. Anchor-led supply chain financing: supplier and dealer programmes underwritten on a large buyer's credit standing.

2. Supplier-led invoice financing and pre-shipment financing for SMEs that need cash before or after delivery.

3. Deep-tier financing: credit pushed beyond tier-one suppliers into lower tiers of the supply chain.

4. Back-end modules: digital KYC and onboarding, loan management system, digital underwriting and early warning signals.

5. Karnataka Bank SCF platform, July 2026: onboarding to reporting fully digital, with a reported 40% cut in turnaround time.

6. Scale: US$6bn+ working capital enabled annually, 35+ bank and NBFC partners, 250,000+ small-business borrowers.