PAYLEDGER INSTANT

Payment behaviour will be your collateral.

Working capital, the moment you need it.

Payledger finances India's SMBs on how they trade and pay. Connect once, stay ready, and draw the moment a gap appears.

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The working capital gap is a behaviour problem.

India's SMBs don't have a profit problem. They have a cash flow problem. Goods ship, invoices go out, and the money lands 60, 90, sometimes 120 days later. In the meantime, salaries, suppliers and the next order still have to be paid.

₹ 0 lakh crore

The amount India's MSMEs are owed in delayed payments at any given time. Most of that gap is bridged with informal, expensive money. It shouldn't have to be.

In India, no one rewards a business for paying on time.

Your track record will become your collateral.

Reliability, the most valuable thing a business builds, counts for nothing in how it's financed. The system finances what you own, not how you trade. We think that's backwards.

How Payledger Instant works

We build a live data repository from your trade and payment history. Once connected, it stays updated automatically, so when a cash gap appears, your data is already in place to get you funded instantly.

Link your GST and trade data securely. We read how you actually trade and pay. No fresh paperwork each time. One connection, and your payment behaviour starts building your credit story.

We set a working-capital line in the background, sized to your trade. It sits ready before you need it. As your trade grows and your payment behaviour stays strong, your line grows with you.

When a payment gap hits, draw against your line in minutes and repay as your receivables come in. No fresh applications, no waiting. The money moves when you need it to.

Insights

We write about the working-capital gap, payment behaviour, and how India's SMBs actually get financed.

At any given moment, India's MSMEs are owed roughly Rs 7.34 lakh crore in delayed payments. The figure comes from the GAME–FISME–C2FO Delayed Payments Report 3.0 (March 2024). Money already earned but not yet paid.

For a large buyer, a 90-day payment cycle is a convenience. For the small supplier on the other side, it's a crisis that repeats every month. Payroll doesn't wait 90 days. Suppliers don't. The next order doesn't.

The cruelest part is who it hits hardest: the reliable ones. Their reliability earns them nothing in how they're financed, because the system finances what you own, not how you trade.

That's the gap Payledger is built to close. See how Payledger Instant works →