About Us
Financing the Backbone of Indian Business
Since 2024, Vanik Finance has been the working capital partner that Indian businesses can count on fast, flexible, and built for the realities of the supply chain.
WHO WE ARE
An NBFC Built on Supply Chain Understanding
Vanik Finance is a Reserve Bank of India-registered Non-Banking Financial Company headquartered in New Delhi. We specialize in supply chain finance providing manufacturers, traders, and exporters the working capital they need to move faster, pay suppliers on time, and grow without friction.
We don't just look at balance sheets. We look at business flows, invoices raised, purchase orders placed, goods shipped. That's how we e been underwriting credit since before digital lending became a trend.
Today, as a Credlix company, we combine our three-decade NBFC heritage with cutting-edge digital underwriting and analytics making credit decisions faster and more accurately than ever before.
OUR STORY
A Story Built on Trust, One Milestone at a Time
From our first release to serving hundreds of clients worldwide, here's how Vanik Finance grew into the trusted working capital partner for Indian businesses.
Credlix, the supply chain financing arm of Moglix — India's B2B commerce unicorn — acquires a majority stake in Vanik Finance. A new chapter begins: three decades of NBFC credibility, now powered by advanced digital analytics.
Vanik Finance operates as the regulated lending entity under the Credlix ecosystem, serving thousands of MSMEs and exporters with faster credit decisions, broader products, and deeper supply chain intelligence.
WHY VANIK FINANCE
Why Businesses Choose Vanik Finance
Speed You Can Plan Around
From application to disbursal in under 24 hours. Because cash flow doesn't wait for committee approvals.
Minimal Collateral. Maximum Access.
Our credit decisions are driven by transaction data and supply chain behavior — not just hard collateral. More businesses qualify.
Built for the Supply Chain
Invoice discounting, PO financing, vendor finance — products designed around how your business actually works.
30+ Years of NBFC Credibility
RBI-registered. Operationally seasoned. We've seen multiple business cycles — and we underwrite accordingly.
Backed by the Moglix Ecosystem
As a Credlix company, we bring global supply chain intelligence and tech infrastructure to every lending decision.
Transparent. No Hidden Charges.
Clear pricing, simple documentation, and no surprises. Finance that respects your time and your trust.
LEADERSHIP
Guided by operators who have built businesses at the intersection of commerce, technology, and credit.
Rahul Garg
Founder & CEO, Moglix
Rahul built Moglix into one of India's largest B2B commerce unicorns, and Credlix into a global supply chain financing platform serving MSMEs across India, Singapore, the US, Mexico, and the UAE.
Rishabh Agrawal
Director, Vanik Finance
Rishabh brings deep expertise in structured finance and credit operations, helping Vanik Finance scale its underwriting capabilities across a broader set of MSME segments and geographies.
THE CREDLIX CONNECTION
Powered by the Credlix Ecosystem
Vanik Finance is a Credlix company. Credlix is the global supply chain financing platform built by Moglix one of India's leading B2B commerce unicorns, founded in 2015 by Rahul Garg.
The Moglix ecosystem spans manufacturing supply chains across 700 enterprises and 16,000+ SMEs in India, Singapore, the US, Mexico, and the UAE — giving Credlix, and now Vanik Finance, unmatched real-world supply chain intelligence for smarter credit underwriting.
When you borrow from Vanik Finance, you're not just getting an NBFC. You're getting an institution that understands exactly how goods, invoices, and payments move across Indian industry.
