India’s fintech ecosystem is evolving rapidly, moving beyond payments and digital lending to address deeper challenges around credit risk, cash flow visibility, and financial infrastructure. A new wave of startups is building intelligent systems that enable businesses to make smarter financial decisions. Here are three startups leading this transformation:
SafeCredits
SafeCredits is emerging as a key player in the B2B credit risk management space. Founded by Mannuri Vamshi Krishna, the platform helps enterprises streamline distributor and dealer credit processes through digital onboarding, automated KYC, AI-driven credit scoring, and real-time payment monitoring.
By combining credit assessment with continuous monitoring and collections automation, SafeCredits enables businesses to proactively manage risk, reduce defaults, and improve cash flow visibility. Its focus on building a unified credit intelligence layer positions it as a strong enabler for India’s growing B2B ecosystem.
Perfios
Perfios is a leading fintech infrastructure company focused on financial data aggregation and analytics. Founded by Sabyasachi Goswami, the platform supports banks, NBFCs, and financial institutions with real-time data processing for faster and more accurate credit decision-making.
Its AI-powered solutions enable underwriting, fraud detection, and risk assessment at scale, making it a critical backbone for India’s digital lending ecosystem. Perfios continues to play a pivotal role in enabling data-driven financial services across the country.
KredX
KredX is transforming how businesses access working capital through its invoice discounting and supply chain finance platform. Founded by Manish Kumar, the company connects enterprises with a network of investors, enabling quicker access to liquidity and more efficient cash flow management.
By digitising trade credit and simplifying financing processes, KredX is helping businesses unlock capital while strengthening the broader B2B financial ecosystem.
