Now open for Indian SMBs · No collateral needed · Powered by RBI-registered NBFC · Now open for Indian SMBs · No collateral needed · Powered by RBI-registered NBFC ·
Payledger Instant

Payment behaviour will be your collateral.

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

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, 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.

Access working capital
in minutes.

Your payment track record is your collateral. No pledges, no paperwork. Just capital, wired when you need it.

Apply Now
Products

Working capital, tailored to your trade.

For Businesses

Access capital without pledging assets. Your payment track record is your collateral. Credit line grows with your trade.

  • No physical collateral
  • Repay when customers pay you
  • Line grows automatically

For Anchors

Finance your supply chain effortlessly. Your suppliers get instant working capital while you maintain payment cycles.

  • On-time payments to vendors
  • Digital onboarding for your network
  • Zero balance sheet impact

Instant Disbursals

From application to funds in your account. Connect once, stay ready, and draw against your line whenever a cash gap appears.

  • Draw in minutes
  • No fresh paperwork each time
  • Fully digital process
How It Works

Three steps. That's it.

01

Connect your data

Link GST and trade data securely. We read how you trade and pay. One-time setup.

02

Get your credit line

We set a working-capital line sized to your trade. It stays ready before you need it.

03

Draw instantly

When a payment gap hits, draw in minutes. Repay as receivables come in.

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 money lands 60–120 days later. We fix the gap in between.

₹7.34 lakh crore owed to India's MSMEs in delayed payments

Get early access.

We're onboarding SMBs with GST turnover above Rs 5 crore and recurring B2B trade relationships.

  • GST-compliant, clean filing history
  • GST turnover above Rs 5 crore
  • Recurring B2B trade relationships
✓ You're on the list. We'll reach out within 48 hours.

About Payledger

Payledger is a technology-led working capital provider for India's SMBs. We finance businesses on how they trade and pay, not just on what they own.

Payledger is a subsidiary of Opticap Holdings. Lending powered by Nipun Projects and Finance, an RBI-registered NBFC.