India’s healthcare system has long battled delayed payments, lack of credit visibility, and inconsistent financial practices, especially in the B2B segment. But a new wave of startups is solving these challenges head-on with smart, tech-driven innovations. These companies are not just offering financial tools; they are reshaping how trust and transparency flow through the healthcare supply chain.
1. MedScore
Bringing Structure to Unstructured Credit
MedScore is pioneering financial clarity in healthcare by offering India’s first centralized credit risk assessment platform for the pharma and healthcare ecosystem. With its real-time, data-backed credit scoring system (patent filed), the platform allows distributors, hospitals, and pharmacies to evaluate creditworthiness before engaging in transactions, reducing defaults, improving cash flow, and driving disciplined financial behaviour.
Through its extended platform SafeCredits, MedScore also supports other sectors like FMCG and retail, signalling a wider movement toward standardized, trust-driven B2B payments. In a sector where informal credit dominates, MedScore is turning guesswork into informed decision-making.
2. CreditQ
Reporting Defaults, Empowering MSMEs
CreditQ is a credit management and reporting platform built to help GST-registered businesses, especially MSMEs—tackle payment defaults head-on. Healthcare businesses can report defaulters, access real-time Credit Information Reports (CIRs), and facilitate quicker payment resolutions.
Its mission is to promote credit transparency and timely settlements, helping businesses safeguard cash flow while contributing to a stronger, more disciplined B2B environment across sectors, including pharma and healthcare.
3. HealthCRED
Fixing Payment Bottlenecks Across the Chain
HealthCRED is helping healthcare businesses unlock capital stuck in long billing cycles. From hospitals to manufacturers, its tailored B2B financing solutions ensure that stakeholders don’t suffer due to late payments or complex invoicing.
By enabling faster, fair, and flexible working capital access, HealthCRED is improving the financial health of the entire supply chain. Its approach combines credit intelligence with financing — turning overdue invoices into smooth-running cash flows.
4. Mintifi
Empowering Distributors with Instant Inventory Credit
Mintifi’s digital-first lending platform is helping small and mid-sized pharma distributors break free from credit constraints. With instant, collateral-free financing for inventory purchases, Mintifi is closing the gap between demand and delivery—making sure pharmacies never run dry due to delayed payments.
The platform digitizes invoicing and streamlines payments across the supply chain, helping reduce manual follow-ups and improve credit discipline in one of the most fragmented sectors.
5. Cashflo
Automating Payables, Accelerating Vendor Trust
Cashflo addresses one of the biggest pain points in healthcare: slow vendor payments. Its AP automation and supply chain financing platform helps companies pay faster, unlock early payment discounts, and build stronger supplier relationships.
With clients like Zydus Healthcare and Crompton, Cashflo proves that automation + financing = clarity. It simplifies back-end operations while injecting liquidity into the system—helping healthcare players focus on care, not cash.
