Lending to the pharma and healthcare sectors brings unique challenges: high operational costs, strict regulatory compliance, and complex supply chains. For banks, NBFCs, and other lenders, evaluating the financial health and creditworthiness of businesses in this space is critical.
Credit intelligence platforms are making that task easier. These tools provide real-time insights, assess risk profiles, track payment behavior, and reduce the chances of bad loans—enabling smarter, data-driven lending decisions.
Here are five top credit intelligence platforms transforming lending in the pharma and healthcare sectors:
1. MedScore
Bringing Structure to Unstructured Credit
MedScore is India’s first centralized credit risk assessment platform for the healthcare and pharma ecosystem. With a real-time credit scoring system (patent filed), it helps distributors, hospitals, and pharmacies evaluate creditworthiness before transactions—reducing defaults, improving cash flow, and encouraging disciplined financial behavior.
Its extended platform, SafeCredits, also serves FMCG and retail sectors, promoting trust-driven, standardized B2B payments in informal credit-heavy industries.
2. CreditQ
Reporting Defaults, Empowering MSMEs
CreditQ empowers GST-registered MSMEs, including healthcare businesses, to combat payment defaults. Users can report defaulters, access real-time Credit Information Reports (CIRs), and resolve issues quickly.
The platform fosters credit transparency, protects cash flow, and helps build a healthier B2B ecosystem across industries—pharma included.
3. HealthCRED
Fixing Payment Bottlenecks Across the Chain
HealthCRED addresses delayed payments and long billing cycles in healthcare. From manufacturers to hospitals, it offers tailored B2B financing solutions that unlock capital and ensure smooth cash flows.
Combining credit intelligence with flexible working capital access, HealthCRED strengthens the financial foundation of the entire supply chain.
4. Mintifi
Empowering Distributors with Instant Inventory Credit
Mintifi’s digital lending platform provides collateral-free, instant financing for small and mid-sized pharma distributors. This enables seamless inventory purchases, helping pharmacies stay well-stocked despite delayed payments.
By digitizing invoices and streamlining payments, Mintifi reduces manual follow-ups and promotes better credit discipline in a traditionally fragmented sector.
5. Cashflo
Automating Payables, Accelerating Vendor Trust
Cashflo’s Accounts Payable (AP) automation and supply chain financing platform solves the problem of slow vendor payments. It enables faster payouts, early payment discounts, and improved supplier relationships.
Trusted by clients like Zydus Healthcare and Crompton, Cashflo injects liquidity, simplifies backend operations, and lets healthcare providers focus on care—not cash flow.
