How It Works Insights About
Payledger Instant · Invite-Only Beta

Payment behaviour
will be your
future 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.

We're opening the early beta to 25 businesses.

Payledger — a subsidiary of Opticap Holdings · lending powered by Nipun Projects and Finance, an RBI-registered NBFC.

The working capital gap is a payment problem.

India's SMBs don't have a profit problem — they have a timing 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.

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.

Your track record is your collateral.

How Payledger Instant works

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.

The Early Beta

We're opening the early beta to 25 businesses.

Payledger Instant is invite-only while we're in beta. We're looking for a small set of businesses that trade the way the product is built for:

  • GST-compliant, with a clean filing history
  • GST turnover above Rs 5 crore
  • Recurring B2B trade relationships — selling to the same buyers, order after order

If that's you, request early access and we'll be in touch.

More working capital, on the way.

Payledger 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.

Coming Soon

Supply Chain Finance

Invoice discounting, and purchase / dealer / distributor financing against your trade.

Coming Soon

Secured WCF

Medium-term and long-term facilities, secured against property including agricultural land.

Insights

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

Featured · MSME Payments

The Rs 7.34 lakh crore India doesn't talk about

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 →

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 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.