Sri Lanka's first B2B invoice financing platform

Your Invoices
are Money.
Stop Waiting
Months to Get Paid.

CrediX converts your unpaid B2B invoices into working capital in 24 - 72 hours. No collateral. No bank queues. Just the cash you've already earned.

Join the Waitlist See how it works
IC CS LP ME

16 businesses already joined the waitlist

Recent Invoices Live Dashboard
🚛
Colombo Freight Ltd
Logistics · Net - 60
LKR 480,000
Approved
📦
Nexus Wholesale Pvt
Wholesale · Net - 45
LKR 325,000
Pending
🌏
Lanka Imports Co.
Import/Export · Net - 90
LKR 760,000
In Review
Total Unlocked This Week LKR 1.26M
24 - 72h
Average time to cash
80%
Of invoice value, upfront
3 - 6%
Transparent service fee
0%
Collateral required
The problem

Sri Lanka's SMEs are trapped
in a permanent cash flow crisis.

You've done the work. You issued the invoice. But your business is stuck waiting on average 30, 60, even 90 days to see that money.

⏳

30 - 90 Day Payment Cycles

Buyers demand extended credit terms. You deliver the goods, issue the invoice, then wait months to be paid creating a permanent, compounding liquidity gap.

🏦

Banks are Too Slow and Exclusive

Traditional invoice discounting requires 1 - 3 weeks, heavy documentation, property collateral, and a CRIB score. Most SMEs don't qualify and those who do still wait too long.

💸

Overdrafts are a Debt Trap

~60% of Sri Lankan SMEs rely on high-interest overdrafts to survive cash flow gaps. You end up paying 18% - 24% per year to access money you've already earned.

📊

No Credit History = No Growth

Without a formal financial track record, SMEs remain invisible to capital. Every year without data is another year of being locked out of the credit system.

How it works

Three steps. Working capital
in under 72 hours.

No branch visits. No paperwork piles. No waiting weeks for an answer.

01
📄

Upload Your Invoice

Submit your unpaid B2B invoice through the CrediX app. Add buyer details, amount, and due date. The whole submission takes under 5 minutes.

⚡ 5 minutes
02
🔍

We Score and Verify

Our AI-assisted Blockchain-verified credit scoring system evaluates buyer reliability, invoice credibility, and industry risk. Our team reviews and approves. No branch visits. No lengthy forms.

⚡ Under 24 hours
03
💳

Receive Your Cash

80% of your invoice value lands in your account immediately. When your buyer pays on the due date, you receive the balance minus our transparent fee. No surprises.

⚡ 24 - 72 hours
Why CrediX

Built for the way Sri Lankan
businesses actually work.

Not a bank product adapted for Sri Lanka — a platform built from the ground up for the realities of local B2B trade.

🏁

First to Market in Sri Lanka

No dominant B2B invoice financing fintech exists here. CrediX is building the category and the network effects from day one.

🤖

AI-powered Credit Decisions

Our proprietary scoring system analyses buyer payment behaviour, industry risk, and invoice patterns to deliver fast, accurate financing decisions.

⚡

Banks take 3 Weeks. We take 72 Hours

Traditional invoice discounting is slow and documentation-heavy. CrediX is purpose-built for speed. A decision in hours, not weeks.

📈

Your Credit Identity Grows with You

Every invoice financed builds your financial track record. As your data grows, your access to capital improves automatically.

🔒

Transparent, Verified, Secure

Blockchain-verified invoices and an honest fee structure (3 - 6%). You know exactly what you pay before you submit. Zero hidden charges.

🌏

Asset-Light & Regionally Scalable.

Start with your Sri Lankan operations. The same platform, data infrastructure, and trust layer scales across South Asia as you grow.

At a Glance

CrediX vs. the Alternatives

Feature CrediX Large banks Microfinance Overdraft
Speed to cash 24 - 72 hours 1 - 3 weeks Days - Weeks Instant
Collateral Required None Yes
(Property)		 Sometimes Yes
Effective Annual Cost ~3 - 6% per Invoice 12 - 18% 24 - 36%+ 18 - 24%
Builds Credit Profile ✓ Yes Minimal No No
Invoice-Based
(No Asset Tie)		 ✓ Yes No No No
100% Digital ✓ Yes No No Partially
Early access

Secure Your Spot.
First Come, First Financed.

Beta access is limited to 35 SMEs. We review every application personally and reach out within 48 hours.

We'll contact you personally within 48 hours
You can also WhatsApp us directly
Chat on WhatsApp .

🎉

You're on the List.

We'll reach out personally within 48 hours to learn about your business and get you set up for beta access

Questions?
Chat on WhatsApp