Creditbook

CreditBook is a Pakistan-based financial services provider focused on improving access to capital for small businesses in emerging markets, where it states that up to 70% of businesses lack reliable access to capital. Its offering spans three areas: a direct lending product delivered through a dedicated financing portal called FinanceNow; embedded financing delivered via customizable APIs and SDKs that allow partner platforms to offer financial services to their own users; and financial management software that gives businesses visibility and control over compliance, credit rating, and financial transactions.

The company markets a simplified application process that avoids extensive paperwork, with funds deposited directly into the borrower's bank account within 48 hours of profile verification. Underwriting and onboarding are supported by automated risk-scoring and compliance checks. CreditBook describes itself as the only licensed digital lending company for SME financing in Pakistan, operating under licence number SECP/LRD/86/CBFSPL/2022-103, with complaints routed through the Securities and Exchange Commission of Pakistan's online system.

Business model

CreditBook lends to small businesses directly through its FinanceNow portal and also distributes financing through third-party platforms that integrate its APIs and SDKs, alongside financial management software for compliance, credit rating and transaction visibility.

Traction

The website reports more than 500,000 businesses impacted and over PKR 6 billion disbursed to date, with application-to-disbursement in under 12 hours and onboarding in under 48 hours.