In today’s fast-moving pharma and healthcare sectors, smooth supply chains depend not just on logistics — but on reliable credit flow. Late payments, credit defaults, and limited financial visibility can disrupt everything from drug manufacturing to hospital procurement. To overcome these hurdles, businesses are turning to credit intelligence platforms that offer real-time risk assessment, smarter underwriting, and streamlined access to financing. These digital solutions help suppliers, distributors, and service providers evaluate buyer credibility, reduce bad debts, and improve cash flow. With tighter margins and growing compliance demands, credit intelligence is no longer optional — it’s a competitive edge. Especially in pharma, where inventory is high and turnaround times are critical, managing credit risk is key.
MedScore
MedScore is a specialized credit intelligence platform designed to assess financial risk within the pharmaceutical and healthcare supply chain. It gives a clear picture of the credit fitness of a distributor or supplier through aggregating payment history, business performance, and industry standards. MedScore assists pharma producers and healthcare facilities in preventing default-prone partners and better managing their receivables. Its artificial intelligence-based scoring model learns to accommodate industry-specific drivers such as bulk stock, seasonality, and controlled pricing. This makes it extremely germane in high-risk, inventory-intensive industries. By enabling more assured credit decisions, it builds confidence throughout the pharma supply chain. MedScore also connects with ERP and billing systems for real-time analysis. It’s increasingly being taken up by wholesalers and logistics providers as well..
HealthCRED
HealthCRED bridges a critical financing gap in the healthcare ecosystem by providing working capital solutions tailored to the unique challenges of medical suppliers, hospitals, and diagnostic labs. It enables faster access to capital by digitizing KYC, credit assessment, and fund disbursement — minimizing manual bottlenecks. The platform integrates with hospital procurement systems and supplier billing tools, enabling seamless invoice financing. HealthCRED leverages both traditional and alternative data to reduce financing risk, particularly in smaller hospitals and diagnostic centers with thin credit profiles. By supporting delayed payments and unlocking liquidity, it ensures smooth operations and better stock management. Its real-time credit analytics empower lenders and healthcare buyers to make informed decisions. This makes HealthCRED a crucial enabler for resilient healthcare infrastructure.
Mintifi
Mintifi is a fintech platform that simplifies and accelerates access to embedded credit for distributors, retailers, and suppliers across sectors, including pharma and consumer goods. It allows businesses to get instant, collateral-free financing directly through their procurement platforms. Mintifi integrates deeply with enterprise systems like SAP, offering real-time invoice-level credit limits and repayments. Its AI-based credit engine evaluates businesses quickly using GST data, banking transactions, and payment behavior. For pharma companies, it streamlines distributor financing, ensuring smooth inventory replenishment and on-time vendor payments. The platform reduces the need for manual underwriting, improving speed and scale. Mintifi is especially impactful for businesses in Tier-2 and Tier-3 cities, enabling broader financial inclusion. It’s backed by strong investor interest and partnerships with major brands.
Cashflo
Cashflo is a dynamic working capital and payments platform that helps large enterprises manage accounts payable efficiently while enabling early payments for suppliers. It automates invoice approvals and matches them with procurement data, ensuring transparent and on-time payouts. By offering dynamic discounting, Cashflo lets suppliers access funds earlier in exchange for small discounts — reducing their cost of borrowing. For pharma and healthcare manufacturers dealing with vast networks of vendors, this leads to better supplier relationships and fewer supply disruptions. It also enhances treasury operations by optimizing cash flow and utilizing idle funds effectively. Cashflo supports seamless ERP integration, making it easy for finance teams to track and control expenditures. Its credit tools are valuable for CFOs aiming to strengthen vendor ecosystems and build financial agility.
