How to Check a Company's Creditworthiness Before You Deal

To check a company's creditworthiness in India, combine five signals: confirm the GSTIN is valid and active, check its crowd-sourced payment reputation, ask for and call trade references, review any available financials or filings, and watch trade signals like how fast it usually pays. No single source is enough — together they give a reliable picture.

Five checks that work

1. GST status — registered, active, name matches. Check here.
2. Payment reputation — Good payer vs Bad payer vs Avoid, from businesses that actually traded with them, on HisaabScore.
3. Trade references — two current suppliers, called (not just listed).
4. Financials / filings — for companies, MCA filings; for any business, GST filing regularity.
5. Behaviour — do they negotiate fair terms or push for risky credit fast?

Make it a habit

Run this before every new credit relationship and before raising an existing limit. Related: Verify a business before giving credit.