Our proposed product roadmap also includes business loans and secured financing.
THE EXPERIENCE BEHIND THE APPROACH
Bankers by experience. Builders by ambition.
Our promoters bring commercial and investment banking experience, risk-management expertise and technology-led execution to the institution we are building.
Institutional experience. Professional governance.
OUR ‘PHY-GITAL’ MODEL
Digital processes. Human relationships.
Technology-led workflows
Paperless processes and data-driven credit assessment.
Relationship-led engagement
Personal understanding alongside digital convenience.
DESIGNED FOR REACHTier I / Tier II / Tier III cities
THE FUTURE WE WORK TOWARDS
Our Vision
We aspire to contribute to a stronger India by helping students pursue their ambitions, supporting the growth of MSMEs, and building financing partnerships that create value across institutional and corporate ecosystems.
As India progresses towards its aspirations for 2047, we believe that empowering individuals and strengthening businesses can play a meaningful role in building a more resilient and inclusive economy.
THE PRINCIPLES BEHIND OUR WORK
Our Approach
Our philosophy brings together:
01
Anchor-led partnerships and ecosystem-based financing.
02
Technology-enabled processes and digital workflows.
03
Data-informed credit assessment and risk management.
04
Customer-centric processes and responsible lending.
05
Strong governance, transparency, and appropriate controls.
THREE PURPOSES. CLEAR RESPONSIBILITIES.
Who receives the funds. Who makes the repayments.
Three proposed models, with a clear payment and repayment route.
01SUPPLY GOODS. FINANCE THE INVOICE.
Vendor finance
Finance an accepted invoice.
Finance a sales invoice confirmed by the corporate buyer.
Who receives the funds
CredInnovpaysVendorAgainst the accepted invoice
Who repays CredInnov
Corporate buyerrepaysCredInnovOn the agreed due date
02PURCHASE STOCK. PLAN REPAYMENT.
Dealer finance
Finance a stock purchase.
Finance a dealer’s purchase from a corporate supplier.
Who receives the funds
CredInnovpaysCorporate supplierFor the dealer’s purchase
Who repays CredInnov
DealerrepaysCredInnovOn the agreed due date
03PLAN THE FEE. FOCUS ON EDUCATION.
Education finance
Pay approved fees directly.
Finance approved education fees after assessment of the applicant.
Who receives the funds
CredInnovpaysInstitutionFor the approved education fee
Who repays CredInnov
BorrowerrepaysCredInnovAs per the agreed schedule
Illustrations of proposed financing models. Financing is subject to assessment, approval, documentation and agreed terms.
