CredFlow, a Delhi-based fintech startup has raised $3.7 million (over ₹31.2 crore) in its pre-Series B funding round co-led by two of its existing investors, Inflexor Ventures and a Singapore-based family office.
The capital raised will be used to optimize and scale its financial services and lending verticals, as well as improve its tech and innovation capabilities. The startup plans to strategically allocate and utilize the fresh capital for growing its lending business vertical, developing multiple new products and solutions to cater to its target group, namely SMEs, and acquiring the right talent to sustain its continued growth.
With this round, CredFlow has now raised a total of $12.9 million in funding. Prior to this, CredFlow raised $9.2 million across 2 rounds from prominent VC funds. Their seed round of $2.1 million was co-led by Stellaris Venture Partners, Omidyar Network India, and Flourish Ventures. Notably, the same set of marquee investment firms also co-led CredFlow’s Series-A round of $7.1 million, which saw participation from White Venture Capital, Inflexor, and a few other investors, and was closed in December 2022.
Kunal Aggarwal, Founder & CEO of, CredFlow said, “CredFlow’s latest Pre-Series B fundraise, led by Inflexor Ventures and a Singapore-based family office, reflects the unwavering trust our investors place in our team’s dedication to empowering SMBs and enhancing their cash flow. The funds raised in this round will primarily drive the expansion of our embedded digital lending arm, CredFlow Finance, and mark a significant step towards acquiring our NBFC license. This milestone brings us closer to our vision of becoming the ultimate financial operating system and trusted growth partner for small and medium-sized businesses across India.”
Murali Krishna Gunturu from Inflexor Ventures said, “We are thrilled to support CredFlow—a company dedicated to simplifying and empowering MSME business operations. Their automated platform enables business owners to seamlessly send invoices, collect payments, fast-track cash flow, and access credit with ease. Our decision to invest in them stems from our confidence in Kunal’s extensive SME experience, combined with the team’s passion and commitment to providing cutting-edge digital tools that have the potential to revolutionize the way MSMEs operate in India.”
Launched in 2020 by Kunal Aggarwal, CredFlow has positioned itself as a cashflow management platform, enabling SMEs to automate invoice collections, manage finances, and access real-time insights to optimise cash cycles. CredFlow’s tech-led platform provides a range of solutions for SMEs such as collection of invoices, payment acceptance, payment reminders and follow-up automation, cashflow management, financial analysis and insights, CRM, and many more offerings.
