About CreditQ

India has 6.3 crore MSMEs. And 90% to 95% of them are suffering from business credit default. CreditQ

That is not a statistic. That is the lived reality of hundreds of millions of people — business owners extending credit on trust, watching payments go unpaid, with no structured mechanism to report defaulters, warn fellow businesses, or recover what they are owed. The informal nature of B2B trade in India had created a systemic vulnerability that no platform had yet been built to address.

CreditQ is India's first Business Credit Management and Information Platform — facilitating both suppliers and buyers to initiate business transactions and get acknowledgement for the same. It gives GSTIN-registered businesses the tools to report credit defaulters, access comprehensive Credit Information Reports on prospective clients, and pursue settlement through a structured, technology-driven, compliance-focused process — turning what was once a helpless situation into a governed, actionable system. CreditQ

CreditQ's ultimate goal is to be an impetus to the growth of the Indian economy — the most robust firewall for all MSMEs and businesses. CreditQ

The mission was clear and the market need was undeniable. What did not yet exist was the platform to make it real.

Wedigtech built it.

The Challenge

CreditQ arrived with something rare — a genuinely original idea for a market that had never been properly served, and a business model that could create real, measurable impact for millions of Indian businesses.

But vision without architecture is just intent.

The platform needed to serve multiple stakeholders simultaneously — suppliers who needed to report defaulters, buyers who needed to check credit histories before transacting, businesses seeking payment settlement, and an administrative layer capable of managing legal notices, credit information reports, compliance workflows, and subscription infrastructure across an enormous and fragmented market.

Beyond the technology, the business model itself needed to be designed from the ground up. How would CreditQ monetise? How would the subscription structure work? How would legal services be integrated and delivered at scale? How would trust be established in a market where the very problem being solved — business credit default — had eroded trust as a foundational asset?

These were not feature decisions. They were existential ones.

CreditQ needed a partner who could hold both the strategic and the technical dimensions of this challenge — someone who could sit with the business, understand the market deeply, and build not just a platform, but a model.

The Northstar Partnership

Wedigtech entered a full Northstar partnership with CreditQ — an engagement that began not with a technology brief, but with a fundamental question: what does this business need to be, and how does it need to work, to achieve the impact its mission demands?

The Northstar programme brought together Wedigtech's Technology System and Operating System, working as one integrated partnership toward a single outcome — a platform powerful enough to serve India's MSME ecosystem at scale, and a business model capable of sustaining and compounding that growth.

This was conceptualisation, design, development, and scaling — end to end. Not handed off in phases, but held together as one continuous act of partnership.

What Wedigtech Built

Business Model Architecture

Before the first line of code, Wedigtech worked with CreditQ's leadership to design the business model from the ground up. The monetisation structure, the subscription tiers, the legal services integration, the credit information report framework, the settlement facilitation model — all of it was architected as a coherent system, not assembled feature by feature. This strategic layer was as important as the technology itself. A platform without the right model cannot sustain. A model without the right platform cannot scale. Wedigtech ensured both were built together.

The Core Credit Management Platform

CreditQ's platform enables businesses to add non-paying entities to its database to warn others and settle dues, access comprehensive credit reports before making business decisions, and use tools and services to manage and improve business credit profiles. Wedigtech designed and developed every layer of this — the defaulter reporting system, the Credit Information Report engine, the business verification and GSTIN integration, the real-time alerts and monitoring infrastructure, and the settlement facilitation workflows that transform a reported default into a structured resolution process. CreditQ

Legal Services Integration

What separates CreditQ from a mere directory is the legal backbone. CreditQ provides legal services to its registered customers, with offerings tailored to their chosen subscription plan — including sending legal notices through various channels, such as e-legal notices and physical legal notices, to reported defaulters for outstanding amounts. Wedigtech built the technology infrastructure that makes this possible at scale — automating the legal notice workflow, integrating compliance processes, and creating the structured pathway from defaulter report to legal action to payment settlement. The result is a platform that does not just document default — it resolves it. CreditQ

Tally Integration

For the millions of Indian MSMEs that run their accounting on Tally, the friction of switching between systems is a real adoption barrier. CreditQ integrates with Tally — and Wedigtech built that integration, connecting CreditQ's credit management capabilities directly into the accounting workflows that MSME businesses already use every day. This was not a convenience feature. It was a strategic decision to meet businesses exactly where they operate, removing the barrier between insight and action. CreditQ

Self-Care Portal and Subscription Infrastructure

Wedigtech built CreditQ's subscriber-facing self-care portal — the interface through which businesses manage their accounts, access credit reports, monitor defaulter status, recharge wallets, and engage with legal services. The subscription infrastructure underpinning this — the tiered plans, payment processing, access management, and service delivery workflows — was designed for the volume and diversity of India's MSME market, where businesses range from single-person proprietorships to large B2B enterprises.

Scalable Platform Architecture

With 6.3 crore MSMEs as the addressable market, scale was not a future consideration — it was a design requirement from day one. Wedigtech built CreditQ's platform to absorb growth without breaking: expanding the defaulter database, processing increasing volumes of Credit Information Report requests, managing legal notice workflows at scale, and serving a subscriber base that grows every month across every state in India.

The Impact

A platform built to serve India's most underserved business segment. A business model designed to sustain and scale. An outcome measured not in features shipped but in cash flow protected, defaults resolved, and businesses that survived because they had a system behind them.

What This Partnership Represents

CreditQ did not come to Wedigtech with a product specification. They came with a problem — one that 90% of India's MSMEs face every single day — and the conviction that technology could be the answer.

Wedigtech brought the strategic clarity to design a business model around that problem, and the technical capability to build the platform that makes it work. The $4–5 million ARR that CreditQ generates today is not the result of a feature list. It is the result of a business architecture that was designed to be right — and a platform that was built to compound.

This is what Wedigtech's Northstar partnership means in practice: not just building what a business asks for, but partnering deeply enough to understand what it needs — and building that.

"A world where no business is held back by the cost of scale — where intelligent systems close the gap between ambition and execution, and the right partnership makes category leadership possible for anyone bold enough to pursue it."

— Wedigtech Vision

CreditQ refused to accept that India's MSMEs had no recourse against credit default.

Wedigtech built the platform that gave them one — and a $4–5 million ARR business that proves the model works.