// COMPARISON
CredBrick vs Finflux (M2P): lending software compared
Compare CredBrick and Finflux (M2P): loan CRM, origination, BRE, loan management, co-lending, setup time and pricing — and which fits small NBFCs.
5 min read
CredBrick vs Finflux is a comparison between two different sizes of lending platform. Finflux, now part of M2P Fintech's core lending suite, is an enterprise platform covering origination, a business rules engine, loan management, collateral, collections and co-lending, and reports a multi-billion-dollar portfolio under management. CredBrick is a loan CRM, origination and loan management platform focused on small and mid-sized NBFCs and LSPs that want to go live in a day and run lean teams.
How we compiled this: Finflux / M2P details come from M2P's public website and public software listings as of October 2026 (linked under Sources). Confirm current features and pricing with M2P directly.
At a glance
| CredBrick | Finflux (M2P core lending suite) | |
|---|---|---|
| Best for | Small and mid-sized NBFCs and LSPs | Banks, large NBFCs, MFIs, fintechs and co-lending programmes |
| Loan CRM & telecaller workflow | Yes — a core module | Origination intake across digital, branch and assisted channels |
| Loan origination | Yes | Yes |
| Business rule engine | Launching soon | Yes — credit, risk and pricing rules |
| Loan management | Yes — EMI schedules, repayments, settlements | Yes — including restructuring and NPA classification |
| Collateral management & co-lending | Not a focus | Yes — dedicated modules |
| AI bank statement analysis | Yes — FOIR at 35–50%, risk band, suggested amount | Yes — described as AI agents for bank statement and financial analysis |
| Video declaration & geo-capture | Yes | Field-agent geo-tracking described |
| Borrower mobile app | CredVera app for borrowers and field teams | Field agent and collector apps described |
| Setup time | Within 1 day | “Days, not sprints” per its site; no specific timeline published |
| Pricing | Custom, all modules included | Not published; listed as usage-based / on request |
Where Finflux is strong
- Scale. M2P reports millions of borrowers and active loan accounts on its lending stack.
- Breadth of modules. Collateral management, co-lending, restructuring and NPA classification suit lenders with many products and partners.
- Mature rules engine. Configurable credit, risk and pricing rules are part of the suite today.
Where CredBrick is the better fit
- Lean teams. CredBrick combines the loan CRM telecallers use with credit, disbursal and collections, so a small team works in one place.
- Speed to go live. CredBrick can be live within one day.
- Operational detail for small lenders. Video declaration, geo-capture, DigiLocker, CIBIL-format bureau files, Tally export and fraud signals such as PAN blacklists and risky-IP detection are built in.
- Simple commercial model. One plan with every module included.
Which should you choose?
Choose Finflux / M2P if you are a large lender, run co-lending programmes or secured products that need collateral management, and have the team to run an enterprise implementation.
Choose CredBrick if you are a small or mid-sized NBFC or LSP that wants CRM, origination, loan management and collections in one system, live within a day. Planning your credit automation? Read what a business rule engine does.
Frequently asked questions
Is Finflux the same as M2P?
Finflux's website now redirects to M2P Fintech's core lending suite, and M2P's materials reference Finflux implementations.
Is CredBrick an alternative to Finflux for small NBFCs?
Yes. CredBrick is designed for small and mid-sized NBFCs and LSPs, combining loan CRM, origination, loan management and collections with a one-day setup. Finflux suits larger lenders that need modules such as co-lending and collateral management.