Commercial Debt Registry Software

Minimize trade risk with Garxly's centralized debt registry. Zero-trust credit tracking for Global agricultural trade.

Secure Your Trade

Advanced Risk Engines

Risk Management

Protect your capital with data-backed credit decisions.

Cross-Firm Alerts

Get notified if a buyer has defaulted with other firms in the network. Stop supplying to defaulters before they crash.

Risk Scoring

Dynamic risk scores (0-100) based on payment history, bounce rates, and trade volume. Updated daily.

Behavioral Scoring

Analyze buying patterns to predict potential defaults. Sudden spikes in credit utilization are flagged as warning signs.

Zero-Trust Credit

Control credit limits dynamically based on real-time registry data. Set system-wide caps for risky categories.

KYC Verification

Store and verify digital copies of PAN, Aadhar, and GST certificates for all your counterparties.

Legal Evidence

Maintain digital ledgers that can be used as evidence in arbitration or legal disputes under Sec 138.

What is a Commercial Debt Registry?

A Commercial Debt Registry is a shared database where trading firms record outstanding dues and payment behaviors of their buyers. Unlike traditional bank CIBIL scores, this registry focuses on B2B trade credit, which is often informal and undocumented.

Why It Matters

In Global agricultural trade, credit is the lifeblood of business. However, "rolling bad debt" (taking goods from one trader to pay off another) is common. Garxly's registry identifies these patterns instantly.

Risk Scoring Model

Our proprietary algorithm takes into account:

  • Payment Delays: Average days overdue (DPD - Days Past Due).
  • Bounce Rate: Frequency of cheque bounces or NACH failures.
  • Utilization: Percentage of credit limit used across the network.
  • Vintage: How long the buyer has been in the market.

Who uses our Debt Registry?

Commission Agents

To vet new buyers coming to the mandi. Avoid 'fly-by-night' operators.

Wholesalers

To manage credit limits for hundreds of retail shopkeepers.

NBFCs & Lenders

To assess alternative data for lending to the informal sector.

Frequently Asked Questions

Is the data shared with everyone?
No. Access to detailed debt data is permissioned. You only see risk flags unless explicit consent is given for detailed credit reports. Your own ledger data is encrypted.
How do you verify default claims?
Defaults must be backed by invoices and digital ledger entries within the Garxly system to be considered valid for scoring. Malicious reporting is penalized.
Does it integrate with Tally?
Yes, we provide Tally plugins to sync your debtors' outstanding balance automatically.
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