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 is powered by Nipun Projects and Finance, an RBI-registered NBFC, combining the speed of technology with the discipline of regulated lending, through a model that pairs digital underwriting with real on-ground verification.
A business that pays reliably deserves access to capital. We build underwriting around trade patterns, not just asset pledges.
We pair digital underwriting with real on-ground verification. Fast decisions, backed by regulated lending infrastructure.