CapitalXB Leverages Biz2X AI Platform to Improve Credit Turnaround by 80%, Targets ₹1,000 Crore in MSME Lending
Implementation cuts client onboarding to under an hour and improves credit turnaround time by over 80%; CapitalXB targets ₹1,000 crore in disbursements through the platform over the next 12–18 months
- KYC and client onboarding time has been reduced from 2–3 days to less than an hour
- AI-assisted credit assessment has improved credit turnaround time by more than 80%
- More than 250 SMEs and MSMEs are expected to be supported over the next 12–18 months
- More than ₹1,000 crore in disbursements are expected through the platform during the same period
CapitalXB Finance has implemented an end-to-end digital lending and supply chain finance platform with the support of Biz2X, an AI-powered digital lending technology provider. The move has been made as part of CapitalXB’s plan to build a technology-driven trade finance platform for MSMEs, mid-market companies, and exporters.
The new platform is expected to bring lending, supply chain finance, export finance, foreign exchange, compliance, and distribution together through a more connected digital system.
CapitalXB operates as an RBI-regulated NBFC-Factor and also holds an AD Category-III licence. These capabilities are being used to support domestic and export financing, foreign exchange services, export compliance, and financial distribution through an integrated trade finance model.
With the Biz2X platform in place, CapitalXB has reduced KYC and customer onboarding time from two to three days to less than one hour. AI-supported credit assessment has also helped improve credit turnaround time by more than 80%.
Over the next 12 to 18 months, more than 250 SMEs and MSMEs are expected to be supported through the platform. CapitalXB also expects more than ₹1,000 crore in disbursements to be facilitated during the same period.
The digital system covers key stages of the lending process, including loan origination, onboarding, underwriting, documentation, and portfolio management. Automation, data intelligence, and AI-assisted credit workflows are being used to help increase transaction volumes without creating a similar increase in operational complexity.
The technology will also support CapitalXB’s planned expansion into international trade corridors. Through a partner-led cross-border model, connections between Indian businesses and financing partners in global markets are expected to be developed.
Commenting on the implementation, Taranjit S Jaswal, Managing Director and CEO of CapitalXB, said the company’s goal was not only to digitise lending but to build an integrated trade finance platform that brings together credit, technology, regulatory infrastructure, and institutional capital distribution.
According to the company, AI will increasingly be used for underwriting, monitoring, and operational activities as the platform grows, while credit policies and sanctioning will continue to remain institutionally governed.
Rohit Arora, Co-Founder and CEO of Biz2Credit and Biz2X, said that the future of supply chain finance would depend on intelligent platforms that combine AI, automation, and data. He added that the partnership was intended to provide CapitalXB with digital infrastructure to support its growth across India and international trade corridors.
The implementation is expected to strengthen the partnership between CapitalXB and Biz2X, with both companies focusing on modernising trade and supply chain finance through digital technology.
CapitalXB is also preparing for its next stage of institutional growth capital. The company plans to expand its lending, distribution, and cross-border trade finance capabilities while developing capital-light revenue streams across areas such as syndication, foreign exchange, compliance, and cross-border financial services.
About Biz2X
Biz2X, a subsidiary of Biz2Credit, is a global SaaS lending platform designed to help financial institutions provide customised digital lending services. The platform operates across the United States, MENA, and India and provides automated and AI-driven technology across different stages of the credit lifecycle.
About CapitalXB Finance Private Limited
CapitalXB Finance Private Limited is an RBI-regulated NBFC-Factor focused on working-capital, supply-chain, and trade-finance solutions for Indian MSMEs, mid-market companies, and exporters.
The company uses its NBFC-Factor registration, AD Category-III licence, EDPMS access, and technology-based underwriting infrastructure to build an integrated domestic and cross-border trade finance platform.
Its focus is on combining regulated financial infrastructure, technology-enabled underwriting, and institutional capital to provide businesses with faster access to working capital across domestic and international trade flows.
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