Credit Kawach
CIBIL-powered · Built for Indian SMEs
Extend credit like you know they'll pay.
Credit Kawach gives Indian SME suppliers bureau credit scores, instant KYC and round-the-clock monitoring, so you never ship on a hunch again.
Sharma Textiles Pvt. Ltd.
The problem
Every credit sale is a leap of faith.
You ship goods on 30, 60, even 90-day terms, with no real idea whether the buyer on the other side can, or will, pay. One bad account can wipe out a quarter's profit.
The old way
Cross your fingers and ship
- Gut feel and phone-call references
- Bureau reports you simply can't access
- You find out they defaulted 90 days too late
The Credit Kawach way
Know before you ship
- Bureau-verified credit score before you ship
- Digital buyer consent, handled for you
- Round-the-clock monitoring with instant risk alerts
Kawach (कवच) means armour. That's the point.
How it works
From sign-up to shipped, in four steps.
No credit analysts. No spreadsheet gymnastics. Just a straight answer on every buyer.
Sign up & complete KYC
Verify your business in minutes with GST, PAN and a quick eKYC. No paperwork, no branch visits.
Takes ~5 minutesOnboard a buyer
Add any buyer with their GSTIN or PAN. We capture their digital consent for you, fully compliant.
GSTIN or PANGet their credit score & risk grade
CIBIL bureau data turned into one score and a clear A to E risk grade, in under 2 minutes.
A to E gradeExtend credit with confidence
Set credit limits you can defend and terms you can trust. Ship knowing exactly who you're dealing with.
Sleep easyFeatures
Everything between you and a bad debt.
Buyer credit scoring
CIBIL bureau data, repayment history and trade behaviour compressed into one decision-ready score and a grade anyone on your team can act on.
Strong payer. Extend your standard 30 to 60 day terms with confidence.
Ongoing monitoring
A buyer's risk rising? You're the first to know. Alerts fire the moment a profile deteriorates, not after the invoice bounces.
Watching 24×7Defaulter tracking
A shared defaulter registry built by suppliers like you. See if a buyer has burned others before they burn you.
Tally integration
Your ledgers, synced. Outstanding invoices mapped to buyer risk automatically. No exports, no spreadsheets.
Pricing
Try free. Then pay only for what you pull.
Your first 10 credit checks are on us. After that, it's simple pay-per-pull. No subscriptions, no lock-in.
Free trial
first 10 checks free
- 10 full buyer risk reports
- KYC verification included
- A to E risk grading
- No card required
Pay-per-pull
per credit pull
- No subscription, no lock-in
- Volume discounts from 50+ pulls
- 90-day monitoring per buyer
- Tally integration included
Enterprise
for larger suppliers
- Unlimited team seats
- API access to risk data
- Portfolio-level risk analytics
- Dedicated risk manager
Contact us
Talk to a real person.
Questions about how Credit Kawach works, feedback, or just want to know when it's live for you. Send us a message and we'll get back to you directly, no ticket number required.
Prefer email? Write to us at support@creditkawach.com
FAQ
Questions we get a lot.
Yes. Your data is encrypted in transit and at rest, and access is locked down to what each part of our system actually needs. We don't sell your data or your buyers' data to anyone, ever.
We pull CIBIL data with proper consent to build the buyer's credit score and risk grade. It's used only to generate that report for you. We don't store more than we need, and we don't hand raw CIBIL data off to other suppliers or third parties.
No. The check is run on your behalf and doesn't notify the buyer. It's meant to help you make a decision quietly, the same way you'd check a reference before signing a deal.
You move to pay-per-pull pricing automatically. There's no surprise subscription and nothing renews without you choosing to run another check.