Credix

Credix is a robust B2B credit infrastructure provider that offers fully embedded, non-recourse financing options to businesses across Latin America. The platform allows sellers to offer longer payment terms to their buyers while getting paid upfront, removing the complexity, risk, and friction usually associated with managing credit. This is achieved through an advanced credit scoring engine, automated approval flows, and integrated collection systems that require zero technical expertise to deploy.

Through its flagship solution CrediPay, sellers can extend net terms or installment-based payments to customers at the point of sale — increasing order values by up to 20%, improving buyer loyalty, and preserving working capital. All credit risk and fraud management is handled by Credix, which uses proprietary models and third-party data integrations to approve over 70% of transactions. These high approval rates mean more deals are closed, more customers are onboarded, and finance teams no longer need to worry about unpaid invoices.

The platform is designed to fit all types of businesses — from large enterprises using ERPs and marketplaces to smaller players that prefer no-code platforms. Credix supports multiple onboarding modes: a fully manual portal, partial API integrations for pilot testing, or full integrations that automate everything from credit checks to payment reconciliations. With a setup time as fast as 24 hours for VTEX clients, Credix allows businesses to go live quickly and start extending credit without added risk.

Unlike banks or factoring solutions that involve bureaucracy, high interest, and impact on balance sheets, Credix offers non-collateralized credit lines that do not affect leverage ratios. Funds are settled within 24 hours after a sale, and businesses never need to manage collections, delinquency, or fraud disputes again. As a result, companies can focus on growing sales while Credix takes care of the back office and risk.

Credix stands out in the B2B fintech space by combining automated credit intelligence, seamless integration, and operational flexibility. Similar platforms in the embedded credit and B2B BNPL space include Mondu, Tranch, and TrexM. However, Credix is uniquely tailored to the Latin American market and offers both API-based and no-code tools that meet the speed and scale required by regional businesses.

Credix provides a powerful suite of benefits and features that help modern B2B businesses manage credit, increase sales, and improve cash flow without taking on additional risk:

• Real-Time Credit Approvals: With a proprietary decision engine, Credix offers instant credit assessments for buyers — streamlining transactions and increasing conversion rates at checkout.
• Guaranteed Seller Payments: Sellers receive upfront payments within 24 hours, while Credix assumes the risk of non-payment, fraud, or default — enabling businesses to extend terms without sacrificing cash flow.
• Embedded Financing via API or No-Code: Companies can integrate Credix through a simple API or use its no-code platform, allowing fast deployment across different system architectures without heavy development resources.
• Flexible Credit Terms for Buyers: With installment plans and net terms available, Credix helps B2B companies increase buyer purchasing power and boost average order values.
• Outsourced Collections and Risk: Credix handles the full end-to-end lifecycle of credit — including risk scoring, collections, and payment reconciliation — so your team doesn’t have to.
• Seamless Integration for Latin American Businesses: The platform is built with a regional focus, supporting tax formats, payment workflows, and partners in Brazil, Colombia, and other LatAm markets.
• No Impact on Balance Sheets: Since Credix offers non-collateralized, off-balance-sheet financing, there is no negative effect on company leverage or financial reporting.
• Fast Deployment & Scalability: Companies can go live in under 48 hours with Credix, supporting pilots, partial rollouts, or full API-based deployments that scale across geographies.

Getting started with Credix is fast, flexible, and doesn’t require a large technical team. Here's how to begin offering credit to your customers using Credix:

• Visit the platform: Head to the official Credix website and schedule a call or sign up to explore CrediPay.
• Choose your integration level: Decide whether to use the no-code solution (ideal for fast rollouts) or opt for API integration to embed financing into your checkout and invoicing flows.
• Configure credit settings: Set your preferred credit limits, terms, and buyer segments. Credix will use its internal engine to evaluate risk and approve customers automatically.
• Start offering financing: Once integrated, your customers will be presented with options like installments or net terms at checkout. All approvals, risk management, and disbursements are handled by Credix.
• Receive upfront payments: After each transaction, you get paid within 24 hours — regardless of the terms extended to your buyer. Credix handles collections and reconciliations behind the scenes.
• Monitor performance and reports: Use the Credix portal to track approved buyers, payment status, outstanding receivables, and collection health. Export reports or sync directly with your ERP.