Kunal Aggarwal

Founder, CEO @ CredFlow

About

India’s SMEs don’t fail because they lack demand. They fail because cash doesn’t arrive on time. That’s the problem I’ve spent the last few years solving. I’m the Founder & CEO of Credflow — a fintech/NBFC building infrastructure to unlock working capital for SMEs. What started as a SaaS platform to automate receivables and payables has evolved into a full-stack lending business. Today, CredFlow is India's SME Financial Operating System: → AR/AP automation used by 180,000+ businesses → Proprietary Trade Graph built from >$1 trillion in invoice data covering half of India's B2B Businesses. → NBFC (CashFloat), disbursing working capital embedded in their transaction flow. → LSP (CredFund) - AUM >150cr. Scaling to 500cr. → NPAs consistently below 0.5% — credit quality we're proud of But more importantly: We are building a system where cashflow, not collateral, drives credit access. The moat isn't just the software. It's the data network — every invoice flowing through CredFlow makes our credit underwriting sharper. The more businesses we connect, the better the graph. The better the graph, the lower the cost of credit for the next SME. Before Credflow, I’ve built across: B2B procurement (Rawble) Manufacturing (Elemo Elevators) Consumer experimentation (Triton Shoes) That journey gave me a ground-level understanding of how Indian businesses actually operate — and where traditional finance fails them. If you're an investor, banker, or operator who cares about the SME credit problem — or a founder navigating the 0→1 journey — I'm genuinely happy to connect. 📩 kunal@credflow.in

Country

India

City

South Delhi

Industry

Financial Services

Skill

Business Strategy, Market Research, Business Analysis, Business Management, Leadership, Teamwork, Programming, Public Speaking, Web Development, Java, Market Analysis, C++, Python, C, HTML, Microsoft Office, Management, Entrepreneurship

Experience

Founder, CEO

CredFlow

2019-7 - Present · 7 yrs 3 mos

New Delhi Area, India

• Founded and led Credflow, India's first SME financial operating system, integrating AR/AP automation and embedded lending. • Scaled the platform to over 180,000 MSME integrations, generating $1 trillion in invoice flow. • Disbursed ₹300Cr+ in working capital loans, achieving a monthly run-rate of ₹50Cr. • Developed a rated counterparty network of 7 million unique verified businesses, enhancing cashflow-based lending. • Raised over 100cr Equity Capital from Leading VC Funds - Stellaris, Omidyar, Flourish, Inflexor, White Venture capital etc.

Co Founder, COO

Rawble.com (Nuplanet Ventures India Pvt Ltd)

2018-3 - 2019-4 · 1 yr 2 mos

New Delhi Area, India

• Co-founded a B2B raw material procurement marketplace tailored for the nutraceutical, pharma, and cosmetics industries. • Led operations and vendor onboarding, driving supply-side growth in a fragmented market. • Developed early traction by addressing SME procurement pain points, establishing a strong foundation for future supply chain initiatives.

Director

Elemo Elevators & Escalators

2013 - 2019-4 · 6 yrs

new delhi

• Oversaw operations, sales, and customer relationships for Elemo Elevators & Escalators, a family-owned business in Delhi NCR. • Navigated working capital constraints and delayed receivables, gaining firsthand insight into MSME challenges in India. • Fostered strong relationships with both residential and commercial clients, enhancing customer satisfaction and loyalty.

Co-Overall Coordinator

eDC (Entrepreneurship Development Cell) IIT Delhi

2015-7 - 2018-5 · 2 yrs 11 mos

IIT Delhi

• Led IIT Delhi's Entrepreneurship Development Cell, enhancing its reputation as a leading campus entrepreneurship organization in India. • Expanded team size and corporate partnerships, significantly increasing our national event footprint. • Organized BECon'18, transforming it into a hands-on learning experience with substantial founder exposure, attracting high attendance.

Co-Founder

Triton Shoes

2017-3 - 2017-8 · 6 mos

New Delhi Area, India

• Co-founded Triton Shoes, a consumer hardware startup focused on 3D printing custom orthopaedic footwear. • Led marketing, operations, and product development during a 6-month build-and-test cycle. • Gained valuable insights into consumer validation speed, influencing a shift towards B2B strategies.