About Us

Credit, Simplified

Building the intelligence layer that makes the entire lending ecosystem work better.

Mission

To simplify and democratize access to credit and Schemes for MSMEs by building a unified, intelligent marketplace that seamlessly connects businesses, DSAs, and lenders.

To empower DSAs — the backbone of MSME credit distribution — with a professional, tech-enabled platform to source, process, and track loan applications across multiple lenders, while enabling MSMEs to discover the right financial products with clarity, speed, and confidence.

"Credit, Simplified." is not just a tagline. It is a daily mandate.

The Long View

Vision

To become India's largest and most trusted financial marketplace for MSMEs — spanning loans, credit products, government schemes and more — and to expand this model globally.

We aim to build the definitive platform for DSAs, transforming them into a digitally empowered distribution network, and to integrate directly with lenders to create a seamless, end-to-end credit infrastructure where applications, approvals, and tracking happen in one unified ecosystem.

What Cred2Tech Stands For

Brand Values

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Trust

The foundation of every credit relationship. Trust is earned through consistency, transparency, and accountability not marketing claims.

account_balance

Integrity

Cred2Tech is honest about what the platform can and cannot do. Every data point shared is accurate. Every claim made is one that can be stood behind.

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Intelligence

Superior technology that works quietly in the background. The algorithms do the heavy lifting so users can focus on decisions, not data.

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Simplicity

Complex problems deserve elegant solutions. Every interaction is designed to be as simple as it can possibly be.

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Empowerment

MSMEs and DSAs are given the tools to compete with anyone regardless of the size of their balance sheet or their relationship network.

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Access

Credit knowledge and credit access should not be a privilege of the well-connected. Cred2Tech is building for Bharat's businesses.

Why This Was Built

Our Story

Cred2Tech was born from insight gained over four decades in financial services.

The founders saw an opportunity to make MSME lending smarter, simpler, and more connected — for businesses, DSAs, and lenders alike.

They envisioned a platform where MSMEs can discover the right credit options with clarity, DSAs can manage their full workflow seamlessly, and lenders can receive better-prepared applications with greater transparency.

What began as an idea has become a mission: to build the intelligence and infrastructure layer powering more efficient credit access.

Cred2Tech brings MSMEs, DSAs, and lenders together on a single platform — designed to expand access to capital, strengthen financial inclusion, and help businesses grow.

40+

Years Combined Experience

₹2000Cr+

Portfolio Managed

Leading Institutions

Co-Founders, 1 Mission

Leadership

Meet the Founders

CO-FOUNDER

Founder Profile

Bobby Thomas M

MBA · 20+ Years · IIFL · HDFC Bank · ICICI Bank

Bobby brings over two decades of experience across housing finance, MSME lending, construction finance, and digital distribution. Over the course of his career, he has held senior leadership roles at leading financial institutions, where he has built and scaled lending businesses while navigating diverse market cycles and customer segments.

He holds an MBA from the University of Madras and is certified in Business Sustainability, Green and Social Bonds, and ESG-aligned finance — reflecting a strong commitment to responsible and future-ready financial practices.

20+

Years

₹2,000Cr

Portfolio

Institutions

Housing FinanceMSME LendingESG FinanceDigital Distribution

CO-FOUNDER

Founder Profile

Sunil Agarwal

CA · Certified Independent Director · ICICI · IIFL · Udaan

Sunil Agarwal is the Co-founder of Cred2Tech, building a technology-first platform to make MSME credit simpler, faster, and more accessible.

A Chartered Accountant and Certified Independent Director with over two decades of experience in BFSI, he has led and scaled lending businesses across leading institutions including ICICI Bank, Reliance, IIFL, and Udaan. His expertise spans credit, risk, and end-to-end lending transformation across MSME, retail, and supply chain finance.

He also founded Elevate Consulting and has held board roles in financial services, bringing a strong blend of operating and governance experience.

20+

Years

Qualified

Board

Experience

Credit & RiskSupply Chain FinanceBFSI LeadershipGovernance

Legal Entity

The Company

Cred2Tech is a product of Sunby Credtech Private Limited, incorporated in Bengaluru, India. The platform is being built for India's MSME lending market, with a global vision.

Cred2Tech is currently in its launch phase, onboarding early DSA partners and MSME customers. Lenders, DSA networks, and industry partners interested in working with Cred2Tech are welcome to reach out via the contact page.

Startup India Innovation Statement

Technology & Innovation

errorThe Problem

MSME credit access in India remains bottlenecked by information asymmetry. Borrowers lack visibility into lender-specific credit appetites, leading to high rejection rates and a manual, 5–7 day discovery cycle. Beyond credit, MSMEs face a discovery gap with regard to government support with hundreds of central and state schemes from NABARD, SIDBI, and other nodal agencies, small business owners find eligibility criteria opaque, resulting in massive under-utilisation of available fiscal support.

lightbulbThe Innovation: Lender-Specific Logic Mapping (L-SLM) Engine

Cred2Tech has developed a high-velocity Lender Intelligence and Logic-Mapping Platform. The core uniqueness lies in the Lender-Specific Logic Mapping (L-SLM) Engine. While traditional models rely on manual coordination, the platform digitises complex, multi-variable credit policies into a unified Rule-Based Workflow enabling real-time eligibility matching across multiple lenders simultaneously.

Unified Scheme Intelligence (USI) Module

Cred2Tech incorporates a Unified Scheme Intelligence (USI) module. This feature democratises access to government-backed incentives by cross-referencing MSME profiles with a comprehensive database of central and state schemes. Proprietary matching logic ensures a frictionless journey, allowing businesses to discover eligible subsidies with near-zero additional data input bridging the gap between public policy and its intended beneficiaries.

cloudScalability & Architecture

The platform is built on a Modular Microservices Architecture, allowing horizontal scaling across different loan products Secured, Unsecured, and Working Capital without increasing operational overhead. The Channel-Partner-as-a-Service (CPaaS) model enables onboarding of thousands of DSAs, providing each with a digital Command Centre to manage their entire lead lifecycle.

National Infrastructure Vision

By integrating with GST, the Account Aggregator framework, and ITR data, Cred2Tech is positioned to become a national infrastructure layer for friction-free MSME credit distribution. This directly supports the Atmanirbhar Bharat vision by reducing the cost of credit acquisition and shortening disbursement cycles empowering the backbone of the Indian economy.

Our Privacy Architecture

Data Privacy Commitment

check_circleAll customer data is fetched via secure, authorised APIs with explicit user consent at every step
check_circleThe Cred2Tech platform team has no access to the financial data, name, or contact details of any customer onboarded by a DSA
check_circleCustomer data is encrypted end-to-end and never shared without explicit user authorisation
check_circleA soft bureau inquiry model protects customer credit scores no hard pulls during eligibility checks
check_circleData sovereignty remains with the customer and the DSA partner at all times