In India’s fast-evolving healthcare ecosystem, one of the biggest bottlenecks isn’t access to medicine, it’s access to working capital. Startups across the country are now leveraging tech to bring credit transparency, financial discipline, and real-time decision-making to the heart of healthcare. Here are four young companies leading this transformation.
1. MedScore
Fixing Healthcare’s Credit Blind Spot
MedScore is the world’s first centralized credit risk assessment platform built specifically for the healthcare and pharmaceutical sectors. Founded by Mannuri Vamshi Krishna, MedScore uses real-time data to help distributors, pharmacies, and hospitals evaluate creditworthiness, reduce defaults, and manage payment cycles better.
Its patented scoring system and trademarked process are reshaping how credit is granted across tier-2 and tier-3 cities. With its extended platform SafeCredits, MedScore is also offering sector-agnostic solutions for industries like FMCG and retail, making credit intelligence a core infrastructure layer.
- Mintifi
Digital Lending for Pharma Distribution
Mintifi may be sector-agnostic, but its impact on the pharma supply chain is significant. It enables distributors and retailers to access flexible, collateral-free credit digitally—reducing friction in inventory purchase and vendor payments.
By digitizing the corporate–distributor–retailer chain, Mintifi makes credit accessible at the last mile and empowers SMEs with the tools to grow confidently.
3. HealthCRED
Smoother Cash Flows for Healthcare Stakeholders
HealthCRED offers customized financing solutions to hospitals, pharma manufacturers, importers, and more—unlocking blocked revenue and ensuring liquidity across the value chain. By streamlining B2B healthcare transactions, it helps players stay operationally efficient in a sector known for delayed payments.
With deep sector knowledge and alignment to SDG 3.8, HealthCRED is not only solving financing gaps—it’s helping build a more resilient and inclusive healthcare economy.
4. Cashflo
Automating AP and Enabling Faster Vendor Payments
Cashflo combines accounts payable automation with supply chain financing, helping large enterprises and mid-market players in healthcare accelerate payments and improve vendor trust.
Trusted by brands like Zydus, Lupin, and IFB, Cashflo’s unique tri-party model (buyer, supplier, and financier) allows healthcare businesses to automate payments while improving working capital health across the board.