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.
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.
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.
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.
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.
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.
GST-compliant, with a clean filing history GST turnover above Rs 5 crore Recurring B2B trade relationships: selling to the same buyers, order after orderPayledger Instant is the first of a wider working-capital suite. We're building financing for businesses with strong anchor buyers, and secured facilities for businesses that want to borrow against what they own.
Invoice discounting, and purchase / dealer / distributor financing against your trade.
Medium-term and long-term facilities, secured against property including agricultural land.
We write about the working-capital gap, payment behaviour, and how India's SMBs actually get financed.
Why India's most reliable businesses are still its most starved for cash, and what it costs them.
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 →