Short-term working capital, on a need basis.
Connect once, stay ready, and draw capital the moment a transaction needs it — sized to how you trade, not just what you own.
Working capital facilities provided through our NBFC arm and FI partners, subject to their credit policies.
A limit that adapts to your business.
Payledger Cash+ is short-term working capital that adapts to your business.
We provide short-term working capital loans with tenors of 30 to 180 days, drawn against a limit on a need basis — transaction by transaction — so you only carry capital when you are actually using it.
Built for established B2B traders.
- GST turnover above Rs 5 crore
- Trading with recurring B2B buyers
- Operational in South India
From payment behaviour to a live limit.
- We start with how your buyers pay you
The timing, consistency and concentration of payments across your book — and how you pay your own suppliers, because your track record counts too.
- We check the limits you already hold
With banks and other financial institutions, then provide a limit on top: either as headroom above your existing lines, or as a fresh need-based limit.
- We attach protection to your receivables
Your whole book or specific buyers — and use that protection to extend or enlarge the limit.
- You draw only when you need it
Each drawdown is a short-term loan of 30 to 180 days, repaid as the receivable is collected, so there is no idle debt sitting on your books.
Capital that only costs you when it is working.
- Alongside your bank lines
Cash+ works with the limits you already hold rather than replacing them.
- Tenors matched to your cycle
Short by design — 30 to 180 days — so the loan ends when the receivable lands.
- Limits sized to behaviour
Consistent payers get more, sooner. Your record does the arguing.
Because there is protection on your receivables behind it, we can extend a larger limit than your balance sheet alone would support.
Tell us a little about your business.
We will come back with an indicative limit and next steps.