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India’s #1 Platform for MSME Businesses

Stop Chasing Defaulters.
Resolve Unpaid Invoices Faster.

Thousands of Indian businesses use CreditQ to report payment defaulters, settle overdue invoices, and protect themselves from future bad debts — without expensive lawyers or court cases.

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Report defaulters and trigger instant pressure for repayment

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Access Credit Information Reports before giving trade credit

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Structured settlement process with 72% success rate

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GST-registered platform, secure data handling

🔒No spam. Dedicated relationship manager.

72%

Average Settlement Rate

50,000+

MSMEs Connected Nationally

₹500 Cr+

Total Dues Reported

3 Steps

Simple Recovery Process

Sound Familiar?

Every MSME Owner Faces These Painful Problems

Delayed payments, rising dues, and constant follow-ups are silently draining your business.

Protect My Business - Get Free Consultation

🔒No spam. Dedicated relationship manager.

Stuck Payments, Buyer not answering

You delivered goods/services on credit, but the buyer disappeared. Months of follow-ups and still no payment.

No Way to Check Buyer’s Creditworthiness

You have no way to verify if a new business partner has a history of defaults before extending credit to them.

Bad Debts Hurting Your Cash Flow

Unpaid invoices pile up, choking your working capital, delaying payroll, and stalling your business growth.

Serial Defaulters Keep Scamming Others

The same defaulter who cheated you is now cheating other businesses too — with no accountability or legal action.

How It Works

Start Protecting Your Business in 4 Simple Steps

Get up and running in minutes. No complicated processes.

1

Sign Up & Join

Create your MSME account on CreditQ in less than 2 minutes.

2

Choose Your Plan

Pick the membership plan that fits your business size and needs.

3

Search or Report

Search defaulter records before trading or report a defaulter with proof.

4

Manage & Protect

Manage pending payments and protect your future transactions.

Our Services

Everything Your Business Needs to
Manage Credit Risk

One platform. Complete protection for your business finances.

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Report Business Credit Defaulters

Report buyers and business partners who have defaulted on payments to a centralized national database, accessible to all CreditQ members.

Submit defaulter details with proof documents
Defaulter listed on national credit database
Increases pressure for payment settlement
Protect other MSME businesses from the same defaulter

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Credit Information Report (CIR)

Access detailed commercial credit reports on any business before extending credit — just like CIBIL for businesses.

Commercial credit score for any company
Payment history & default track record
Make informed before-credit decisions
Reduce bad debt risk by 70%+

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Business Credit Management

Comprehensive tools and expert guidance to manage, monitor and improve your business credit profile for better deals and financing.

Monitor your own credit score & profile
Build a strong credit reputation
Unlock better loan & supplier terms
Expert credit advisory support

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Payment Settlement Assistance

CreditQ’s network and mediation support help facilitate settlement negotiations between creditors and debtors for faster resolution.

Formal settlement mediation support
Legal documentation assistance
Higher settlement success rate
Faster recovery than legal proceedings

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MSME Membership

Join India’s largest MSME credit network. Get unlimited access to the defaulter database, credit reports, and priority support.

Unlimited defaulter reports per year
Full access to national defaulter database
Monthly credit monitoring alerts
Priority customer support

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Defaulter Database Access

Search a growing database of verified business defaulters across India before you trade. Know who you’re dealing with.

Search by company name, GST, or PAN
Verified and curated defaulter records
Updated in real-time by member reports
Pan-India coverage across 28 states

Why CreditQ?

Real Results for Real Businesses

Thousands of MSME owners across India have transformed how they manage business credit risk.

70+

Reduction in Bad Debt Risk

Members who check CIR before extending credit reduce bad debt incidents by up to 70% on average.

3x

Faster Payment Release Assistance

Listing a defaulter on CreditQ’s database increases settlement urgency — 3x faster than sending legal notices alone.

10k+

Active MSME Members

A growing community of verified businesses contributing to and benefiting from the collective credit intelligence.

28+

States Covered Pan India

Whether your business dealings are local or national, CreditQ’s database covers businesses across all of India.

#1

India’s First MSME Credit Platform

The original and most trusted business credit reporting platform built exclusively for Indian MSMEs.

24/7

Access to Credit Reports

Run credit checks on any business at any time — before signing a new contract or extending a large order on credit.

Why Choose CreditQ?

See the difference between traditional debt recovery and CreditQ

Without CreditQ

✕ Manual follow-ups

✕ No credit information

✕ High legal costs

✕ No defaulter database

✕ Time-consuming process

✕ Uncertain outcomes

With CreditQ

✓ Automated reminders

✓ Business credit reports

✓ Structured settlement

✓ National defaulter database

✓ Quick 3-step process

✓ 72% success rate

Success Stories

Businesses That Got Their Money Back

Real MSME owners. Real results. Secure Your Pending Payments.

Pramesh Tayal

Indo Bio Agro Industries
(Shamli, Uttar Pradesh)

Irfan Ahmed

M/S COOL TECH ENTERPRISES
(Bhopal, Madhya Pradesh)

Ajit Nair

Placidus Health Solutions
Mumbai, Maharashtra

Shahnawaz Saiyed

STAR ENTERPRISES
(Vadodara, Gujarat)

Madhur Gupta

MEERUT HOSIERY FACTORY
(Meerut, Uttar Pradesh)

Bhupesh Singhal

Singhal Sons
(Jaipur, Rajasthan)

Jaywant Kumbhar

V M TRADERS
(Mumbai, Maharashtra)

Pawan Shukla

M/S R.S.ENTERPRISES
(Varanasi, Uttar Pradesh)

Mithu Patel

Pureflow Solutions Private Limited
(Rajkot, Gujrat)

Manchharam

Swastik Sales
(Jodhpur, Rajasthan)

Many thanks to CreditQ for helping me get my payment. I added a defaulter and soon the defaulter approached me and settled the payment.

Aashish Kalra

Kalra Steel Traders
(Bharatpur, Rajasthan)

CreditQ has saved my business from a lot of problem. I was about to close a huge deal with a client but when I checked and cross referenced the client’s credit report on CreditQ, I found that it was a defaulter in payment to many vendors. I immediately cancelled the deal. Later, I found that the same client cheated one of the other vendors in my city.

Sanjay Agarwal

Dangiya Lifestyles
(Jaipur, Rajasthan)

आज कल बाजार में उधार लेकर पैसे न देने का प्रचलन बहुत ज्यादा चल रहा है | ये एक व्यापार को आर्थिक हानि पहुंचा रहा है और इसका कोई हल नहीं था | जैसे कि बैंक के पास सिबिल प्लेटफार्म है जिसमे वो अपने Defaulters को रिपोर्ट कर सकते है | अब CreditQ के इस देश में आने से हम सभी व्यापारियों को फायदा होगा | इससे हमारे रुके हुए पेमेंट्स और आगे दिए जाने वाले उधार में बहुत मदद साबित होगी | Thankyou CreditQ

Tarun Goyal

TARUN HARDWARE
(Jaipur, Rajasthan)

“CreditQ जैसे Platform की जरुरत काफी समय से महसूस हो रही थी | मैंने CreditQ से जुड़कर अपने लोहे के व्यापर को सुरक्षित कर लिया है | हमारे लोहे के व्यापर में बड़ी रकम के बिल उधार दिये जाते है | अब मैं उनसे डील करने से पहले उनकी Credit Information Report चेक कर सकता हूँ और अपना बिज़नेस को बिना डरे आगे बड़ा सकता हूँ |”

Naveen Bansal

NATARAJ ROOFING PRIVATE LIMITED
(Jaipur, Rajasthan)

“आज के समय में उद्योग एवं व्यापार ना केवल प्रतिस्पर्धा से भरा है बल्कि जोखिम भरा भी है। पिछले कुछ समय से ही सिबिल जेसी संस्था बहुत जरूरत महसूस हो रही थी। जो कि क्रेता (बायर) और विक्रेता (सेलर) के मध्य जोखिम को लेकर पुल का काम कर सके। CREDITQ की ये पहल स्माल स्केल इंडस्ट्रीज और व्यापारियों के हितों के साथ न्याय करेगी इसी विश्वास के साथ शुभकानाएं बधाई सभी टीम सदस्यों को”

Sunil Jain

Akshya Steel Corporation
(Jaipur, Rajasthan)

Frequently Asked Questions

Everything you need to know about CreditQ

Is CreditQ a legal debt settlement agency?

Yes, CreditQ operates within the legal framework of India. We are a GST registered platform that facilitates structured debt settlement between businesses. We do not engage in illegal recovery practices and all our processes comply with applicable laws.

Will the defaulter be notified?

Yes, once you report a defaulter, they receive automated notifications via SMS, Email, Phone call, and WhatsApp. These notifications inform them about the outstanding dues and provide them an opportunity to settle the matter amicably.

Is GST number required to use CreditQ?

While having a GST number is preferred as it adds credibility to your business profile, it is not mandatory. However, having proper business documentation helps in faster verification and better success rates.

How long does the settlement process take?

The average settlement time is 30-45 days, though this can vary depending on the defaulter's response and the complexity of the case. Our 72% success rate is based on settlements achieved within 90 days.

Is my business data confidential?

Absolutely. We follow strict data security protocols and your business information is stored securely. We never share your data with third parties without your consent. Our platform is built with enterprise-grade security measures.

What happens if the defaulter doesn't respond?

If the defaulter doesn't respond to initial notifications, we escalate the matter through additional channels. The defaulter's information is also added to our national defaulter database, which can impact their business credit rating and future credit access.

Don’t Let Another Defaulter
Cost You Your Business

Join 10,000+ MSME businesses already protecting their revenue with CreditQ.
Get a free consultation today.