From Application to Disbursal — How CredVantage Works
A simple, transparent process built for MSMEs and SMEs who need working capital fast.
Apply & Submit Documents
Share your business details, purchase bills/invoices/receivables, and basic KYC/financial documents through our simple application.
Verification & Credit Assessment
Our team verifies your bills/invoices and assesses creditworthiness, buyer/anchor strength, and trading history.
Approval & Terms
Get a clear offer — advance rate, tenure, and security requirement (e.g. FLDG, inventory pledge) — with no hidden conditions.
Disbursal
Funds are disbursed directly against your approved bill, invoice, or receivable — often via escrow for buyer-linked products.
Repayment
Repay via bullet repayment on invoice maturity, or auto-debit/escrow settlement upon sale realization — matched to your product type.
Why This Process Works
Every step is built around real trade cycles, not banking bureaucracy. We fund against documents you already have — purchase bills, sales invoices, and confirmed receivables — using collateral-free structures like FLDG instead of hard collateral, with escrow-backed repayment on buyer-linked products for full transparency on both sides.