CreditBay offers tech products to enable NBFCs, OEMs, and Aggregators launch and scale lending operations with AI-driven decisioning, secure infrastructure, omni-channel capabilities, and easy-to-integrate APIs.
CreditBay is a B2B technology company, purpose-built to transform the way credit is originated, evaluated and managed. Founded by industry veterans with deep roots in banking and technology, our mission is to simplify and scale credit access through intelligent, secure, and adaptable technology.
Our products are built to be modular, API first, fully compliant and secured - helping businesses get to market faster while staying in control.
Financing Gateway for every Business
Ease
CreditBay Ease is our intelligent financing gateway designed to connect customers of your products and services with regulated Banks & NBFCs.
AI-led lender routing and fallback mechanisms
Embedded lending workflows
Identity, credit, and underwriting connectors
Regulatory and consent management
Analytics and performance dashboards
Smart. Scalable. Seamless.
Origin
Streamline every stage of loan origination with real-time decisioning, AI-powered workflows, and pre-integrated KYC, credit bureaus, and underwriting engines. CreditBay Origin adapts to your processes—not the other way around.
AI-driven rule engine for automated decisioning
Configurable workflows & partner onboarding
Plug-and-play integrations
Support for secured and unsecured loans
Built-in compliance tools
Simplify servicing. Strengthen control. Navigate Finance Intelligently.
Core
CreditBay Core offers a modern interface to manage documentation, disbursements, repayments, collections, and compliance - all in one place. Built for scale, security, and operational efficiency.
Configurable product setup and charges
Real-time repayment tracking and NPA alerts
Automated collections and reconciliation
Multi-entity and multi-tenant support
Audit-ready reporting
Our founders have scaled real credit businesses. We understand the edge cases.
We follow industry-best security practices and regulatory readiness.
API-first products and design with clear documentation helps you go live in days - not weeks or months.
From risk scoring to partner routing, our systems keep getting smarter.
Start with what you need. Expand as you grow.
Banks
NBFCs
OEMs
MedTech
EdTech
TravelTech
Embedded Finance Platforms
Digital Lenders
Let's build the future of credit together.